It may seem harsh to terminate her tenancy, but they are in an emotional time and "comfort of home" may feel better now.

By and large, MTR residents are coming to work (or for relocation due to flood, fire or wind), and they approach finding housing with their analytical brain, not the emotional one.It's also not uncommon that the person tasked with finding accomodations for the MTR resident isn't going to be staying there at all.

I bring the same discipline and precision from my athletic career into real estate.

Be mentally and emotionally prepared for the attitude - well, if you can afford a second (or third or fourth home) then you can afford all of this.

Typically, a seller with a low pride of ownership will be less emotionally attached to their property.

(for the low 200k properties, I'd look around military bases - good demand and disciplined tenants..)

By being patient and disciplined, you've been able to scale up to properties you once thought were out of reach.Your version of house hacking, combined with strategically using your profits and capital to reinvest, shows how incremental steps can lead to bigger opportunities over time.

In other words are the reasons for paying off debt early financial or emotional?   

This way, you stay disciplined about your future while making space for present enjoyment.You can also adopt a mindset shift by focusing on experiences over material things, as experiences tend to offer lasting satisfaction without derailing your financial goals.

For example, dealing with late rent, property damage, or antisocial behavior can take its toll physically, mentally, and emotionally.