How to maximize my money!

[Quwan Booker]

I bought a duplex with the help of my stepmom! The price of the duplex was somewhere in the range of $7000. The deal I have with my stepmom is Ive got to give her $550 a/month for 5 years. I’ve got to use my own money to fix up the property too! She also informed me that the if I give her a lump sum of $20,000, that will satisfy what I owe to her. So I want to know when I refinance I’ll receive in the range of $30,000 -$40,000. Should I just give her the $20,000, or just use the money to buy another duplex?