New apartment purchase

[Eduardo Paz]

Hello biggerpockets fellows. I have a question.

I just bought an apartment giving 20% down payment. To pay the remaining 80% with a bank loan. Typical negotiation in a presale. 

If you have the money to pay in advance another 20% of the property to the principal and reduce the bank loan or keep the 80% loan to be paid with tenants rent and use the extra 20% money for another purpose, what would you do?

Thanks

Eduardo