How can a 20 year old invest $300000

[Jose Petitfrere]

Hey, so I am a 20-year-old studying real estate and finance at college so I kinda have an idea of what I want to do but not quite sure. I was looking to diversify my investments some Mutual Funds/ETFs and real estate preferably a duplex, triplex, or quadplex in the south Florida market, I was looking to find properties in an opportunity zone so I can gain the tax benefits, but I am open to properties outside of that. Also keeping some cash reserves for emergencies. But the dilemma is how do I invest if I'm a college student with little to no credit, I want to take advantage of the low-interest rates so I can leverage, however, during these times banks are getting very tighter or stricter on loans so how do I find a reasonable lender who can trust in me.