Her reasoning is that she put it in her schedule and she could have accepted other cleaning jobs. 

Seems reasonable to me.

We thought about doing seller financing for the $172K but it will likely take 10+ years to pay the full amount at any sort of reasonable monthly payment.

What’s your main focus, or what are you hoping to get out of your journey here?

There is really no reason to roll the dice in a craps game.

I am hoping to find a reasonably priced photographer to take some sharp  photos of a Property. 

It’s only time before commerce and gentrification follows…There are lots of 2/3 flats in the area with reasonable pricing etc… 

For this reason, I prefer to plan renovations when a long-term tenant moves out.

Given the size of the asset, these won't be huge, but something to consider.REWARD - In addition to the benefits stated above, the only other reason I could see doing one on an asset this size is if you wanted to offset a property sale that would have a large capital gains. 

Here’s my two cents:Paying off the condo might make sense if your main goal is to reduce risk and enjoy the peace of mind that comes with no mortgage.