Repay my mother or buy another duplex!

[Quwan Booker]

I purchased a duple thats is fixer upper! I be got to pay my mother 550 a/month for 5 years or 38000! I want to purchase other property ASAP. My stepmom told me I can give her $20,000 once I refinance the duplex and we can call it even! When I refinance the house I’ll be getting in the ballpark range of $30,000-$40,000. Should I give her the $20,000 or use the $30,000-$40,000 to purcharse another duple, and just continue to pay her the $500 for the duration of the 5 years?