It sounds like you got a little to emotionally invested in the tenants.

Meaning buy in a good location, pay a number that makes sense on paper, leave emotion out of the equation.

I feel like your emotions about this topic are too strong to have a "well heard" debate about it, so I'll refrain from responding again.

I would shop for other lenders to see if you can get a better rate.Lastly, trust the numbers, never your emotions.

This is relatively easy in terms of emotion, my issue is "what" to say. 

Take emotion out of it, look at the deal in its bare form.

Many of them are in great emotional distress and usually closed off to accepting any help.

Risk premium.From ballpark 2012 to 2019, rates were in the 3.5% to 4.5% range, maybe rental property rates were roughly in the 4.5% to 5.5% range, while the stock market ticked away at 7% or 9% growth  (also annual, just like the interest rate, making this comparison easy) with some consistency, and many people even did much better with real estate investing than that, so the prevailing advice was to "NEVER pay your mortgage early, unless it was for 'peace of mind' or other totally valid (this isn't a knock) psychological or emotional reasons."

I mentioned good intentions.i think the good intention is making finding a way to ease the economic pain of those who are struggling.the problem is that there is no solid economic thought.just emotional voting.

There is a lot of liability and emotion when owners self manage.