We have a big place so it is families and groups.I do ask guests before booking if they are celebrating any special occasions and I will add some extra things to the welcome box that fits if I can.

If you don't intend to do that right away then do the 20% and save the extra cash flow.

Any ideas on what I could turn it into to help generate some extra profit?

I used all the rent and any extra money towards paying them down.

Any taxes not owed, a seller merely file a tax return with the state, just like any other tax returns filed for extra taxes a government has with held. 

@Pixel RogueI agree with @Jonathan Greene about the difficulty of BRRRRs these days.

The junk removal is costing over $750 per dumpster, and they said they need 3 or 4 of them, I also have to pay extra $400+ for labor.

Extra set of eyes, second opinion and diversity of your own investments

You can always take extra courses or certifications later to level up your skills.

But there's something else that many people don't realize: these loans  "constant recast" during the interest-only period.For example, if I make an extra $400 payment one month, my interest-only payment will decrease the following month.