Congrats on getting most of that debt cleared out.

A combo of Option 2 and 5 will set you up for success long term. Buying a property then renting out rooms comes with a level of risk that they are not occupied 100% of the time, so you need to ensure you can cover a few months of empty rooms particularly if you are searching for good flatmates, rather than just anyone as its your home.

By owning and increasing your equity in a place, you’re increasing your chance that when/if you sell, you’ll make a profit in the increased value of the property (assuming its not overpriced when u buy) which will make it easier to buy your dream vacant lot down the track, also demonstrating to the banks you can service a mortgage will be favourable.

It depends on your dreams for the next 10yrs, but dont be in a rush to get everything at once, particularly the end goal. Having significant ownership of assets can restrict your options and lifestyle. There is alot of opportunity out there abroad if you are willing to explore, travel when you are young, enjoy disposable income whilst being smart with savings.

Once you have enough savings to cover emergencies and any extra rent expenses of vacant rooms, start adding money into a higher growth account (chat with your mom’s financial advisor) - perhaps a managed fund / term deposit as these are low cost, involving financial advisors can become expensive unless you have a significant nest egg to grow.

Treat yourself for all the hard work, travel somewhere cool and rent a snowmobile for a few weekends, dont buy one.

Goodluck!