She grew up in a paycheck to paycheck kind of lifestyle though so it's been a little difficult to implement saving into her lifestyle.

For example, if you guys value be "free" from the lender and you want to be moving towards an "all cash" lifestyle in which you'll NEVER have a creditor's "due" showing up every month, then that's a pretty clear path forward.If, however, you value scaling to X point, then you'll likely get there faster and easier using leverage than not using leverage and you might find that the $100k is better used with RE investments while you continue to pay a 3-6% rate on your student and car loans.  

If instead the current landlord had slowly raised rents to be closer to the current market rates this tenant may have been able to adjust her lifestyle to adjust over time or would have found a place more affordable.  

Personally (and as someone who operates a property management company, I probably see more of this than most people will) I've incorporated a "not my problem" policy into my lifestyle because otherwise it becomes very easy to get bogged down by other people's life issues.

When they want to upgrade their life style or need to change location.There is nothing wrong with sending a holiday card thanking your tenant for their loyalty, but I wouldn't do any more than that.

What kind of lifestyle?  

Lol, that sounds like an awesome lifestyle :)

He simply doesn't have the income with his lifestyle.

I am blessed to have become a member of Lifestyles Unlimited. 

I've been to a few Guru seminars and have done a ton of reading and research over the past 8 months so now it's time I get moving.I'm currently owner/president of a Web Design & Development company with a goal to diversify my income and lifestyle with real estate investing.