It took care of a lot of items that I otherwise would have been pulling my hair out about.

So @Joshua Mellor's investment is 2.5X more conservative than a bank.Not trying to split hairs too much, but ROI and ROE are different things and must be evaluated on their own terms.

They poll nine people, the majority of whom made their money in RE to affirm the quote.

How am I supposed to run a hair salon and retail store if my lights are going out, and my outlets aren't working?

You open yourself to a lot of liability by allowing a daycare, hair salon, medical care facility, etc.

It seems from the past threads this can be good for me (borrower re-affirms) and they have additional funds each month to pay this debt.

A bum off the street is legally allowed to do your taxes and get paid for it and yet a barber require more qualification to cut hair compared to selling your house or doing your taxes lol.You should look up your states requirements and local schools near you but I would find a mentor and shadow them to see if you would even enjoy the work.

They seem to be a hair cheaper.

Nor will they know what must be affirmatively disclosed and what will only be disclosed when asked. 

Maybe Offer the lady cash for keys or have a fire side chat to discuss her feelings on why she did it lol I’d grab her by the hair and rub her face in it like the dog She is