WIBTA if I asked friend if she'd possibly want to hookup/FWB?

Please don't bash me, that's why I'm asking this

So I (M20) have a friend (F20) who I'm attracted to, but I'm not sure if i should be in a actual commited relationship rn because of my living situation not completely broke but also living at home, college is rough (although if she wanted to actually become more id be fine with that and would be cool). Idk what she is/if she is looking for anything but we do flirt a bit with eachother and make jokes (sexual innuendo) with eachother too so it kinda makes me think she'd be down.

I was thinking about maybe asking her if she wanted to go get something to eat and then maybe poping the question and see if she would be interested in hooking up? I was thinking of asking "wanna come to my place after to watch netflix" or if we flirt ask "wanna Netflix and chill later"? or if I should I be more direct and just ask "Hey I was wondering if you would ever maybe wanna be more like fwb maybe?" and if she says no apologize, and explain how I got the wrong signals.

I would still want to be friends with her even if she says no, but I'm trying to figure out if there is a way to do this without being totally rude because I know that friends hook up and be FWB all the time. I don't want to be an asshole for asking or maybe inviting her over to my house because I know not everybody's into that, but some people are into FWB. I just don't really understand how (Because I'm a virgin)