today is Oct 25th. I have $12000 cash. which is the better option

I owe $12K on my car.  I could pay it off. 2 % interest on the unpaid balance.

I haven't had a vacation in ten years.  I want to go to Budapest.

I have a rental house that needs a roof.  Guessing $10K with gutters.

$12K is about 25% of what I need to build a garage on the back of a rental house that I think I could rent for $800 a month.

I am thinking the roof.  Use a 20 year material and I can write the whole thing off?

What do you think?