If the fridge dies I will get you a new one but I can't guarantee it will be the same day.

I guarantee 99% of my co-workers are still slogging away for 10 bucks an hour somewhere. 

The property has one tenant, a successful business, that has been there for 9 years and has 1 year left on the lease, with a 5-year option they intend to use. 3% yearly increases.The modified gross lease has personal guarantees.

Socal has the appreciation factor but its not a guarantee and its more speculation and leaves your success in the hands of something out of your control, i wouldnt consider that a business.

I have seen a 1st mtg lump sum settlement and principle forgiveness or deferral modifications exist but they are never something to bank on as they are far from guaranteed to be granted.

., services you can provide as manager are limited, avoid reimbursing yourself for expenses and never pay yourself compensation), IRAs are subject to debt financed income tax if you borrow money (has to be non-recourse -- meaning you can't personally guarantee the debt) to purchase or renovate a property, and There are transactional costs to establish and maintain an LLC that you don't have if you purchase properties directly in your SDRA, to name a few key ones to consider. 

If, however, you are not planning on doing any further RE investing, paying off the rental is a more or less guaranteed 5% return on your money from here to infinity.

A different attorney may achieve more but there isn't any guarantee.

She told me "Well, we have a money back guarantee, you can get a refund within 7 days."  

If so, have current tenant guarantee the lease until the new tenant moves in and use the simple Assignment of Leasee to bind the new tenant - - need old, new and owner to notarize the assignment.