Need advice on financing a residential plot/home loan

I have approx 20L for downpayment on a residential plot of 50Lakh. How do I use it to get the maximum benefit?

Should i use the 20L as downpayment oayment for a 40 L house? I would be renting the new house to earn approx 15k per month rent. And then sanction a equity loan of around 20Lkah to pay as downpayment of 20 lakhs for plot and take 30lakh loan for the remaining amount.

Should I do a FD of 20 Lakh and take a loan against it? Should I pay the full amount as down payment or is there any other option.

Need guidance on how to smartly use the money so that I can get the maximum benefit out of it.

Suggestions appreciated.