One of the hardest part of the MTR strategy is dealing with the emotional roller coaster that exists when a listing is about to open up again. 

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

My 2-flats are 3-bedroom units (which are much in demand from "families" needing temporary furnished housing).  

It’ll save you headaches later if she tries to escalate things.Document Everything: Take pictures, write down the history of your interactions etcOffer a Transition Plan: Just like my client, I’d recomend offering her a temporary storage option nearby, or even a small rent discount, to show you’re not trying to kick her out - just keeping the property safe and up to code.

If you do plan to refi at or around the 3 year mark when the PPP expires I would also ask your lender about a temporary rate buy down instead of / or in conjunction with a permanent buy down.

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.

If the tenant has an OCCASIONAL and very TEMPORARY situation that causes them to be late on rent I will almost always waive the fee. 

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

They can also sue you for damages if they incur temporary housing costs, feel you discriminated against them, etc.