I work at a low level government agency where the scarcity mentality is alive and well. 

Yes a contract is an offer, acceptance and consideration (and some other stuff which is assumed like mental competence of the parties etc.)

More of a pay it forward mentality than take a Rookie for all they have.

We've kept tenants when it doesn't make financial sense, you have to follow your gut and mentally write if off as charity if need be.Are there programs she qualifies for and isn't tapping into to help her money go farther?  

Neat project.If I were to play potential buyer, taking mental notes....Drive Up:) Multi-colored brick is an acquired taste but looks in keeping with the neighborhood.)

I understand the FOMO mentality that lots of investors especially newbies seem to have right now, but that may come back to bite them in the a$$ if they don't understand the risks. 

It went up to help cover mental healthcare costs for Vietnam vets.

Somewhat of a mentality deal also.  

If you will experience less stress and a better mental state by reducing your debt, then, unless investing the savings produces returns a horse length or two ahead of the savings from paying down your mortgage principal, paying down the mortgage might be the better solution for you.Roy - WOW - interest "a=it today's dollars"...?!?! 

I appreciate your get out there and get it done mentality but it doesn't fit my life or my approach to REI.