Need guidance urgently, 25L capital in hand. Don't where to invest property or MF

Currently I have 25L in hand, which I am having from last 1 year. I want to buy a property but the rising prices are sky rocket and from last 1 year I couldn't able to find any property.

My current income is low, so I can't afford a loan. Currently these 25L is sitting at 7% debt fund.

I already have 2L emergency fund, 13L in stocks, 2L in gold and 2L in index fund. So I don't want to invest more into stocks because my current portfolio is also not giving goods returns (that is a separate story).

I am trying hard to find a property (living in tier 4 village of haryana , kurukshetra). But here is prices are booooom.

I am also having 10L near future expenses. So, I can keep 10L in liquid funds. So evanutally I have 15L.

What should I need to do with these 15L. Do I need to do STP in small and Mid cap (but then again which funds). Or still needs to wait for a property.

Because what I observed in property people are buying and selling within 6months with atleast 30-40% returns.

Need guidance seriously.

Whatever I said these are my total savings all. I don't have anything else. No inheritance money. No land , even a house in my village which is also not in good location.