Metal certainly is a great choice for a new roof.

I didn’t spend a dime of my own money on it.As our portfolio grew and my management portfolio grew, it made my choice to leave my 9-5 an easy one given the growth.

Hiring an attorney can be both the safe choice and the profitable one - whether it's closing costs or taxes, we almost always end up saving our clients more money than it cost them to hire us in the first place.

LED lighting is an alternative for your parking lot.

As a newbie I've saved up 40 to 50 grand and now I have a choice to make.

Surely, some buyers question their choices throughout a purchase as a checks and balances thought process. 

But I think @Bob B. is right about having a conversation and letting her make the choice to move on before it impacts her future.

It's a personal choice.  

And if you're not wanting to be a land lord any more then a move to something like a DST (Delaware statutory trust) or Tenant In Common (TIC) give you an alternative that provides well within the same returns as your index fund these days while still maintaining the tax deferral of the 1031.

As an alternative you can lower the payoff amount to entice them to seek financing to pay you off.