In many states you can have penalties for early lease termination but you aren't entitled to the rest of the lease term rent unless you made reasonable/acceptable efforts to re-rent the unit and it remained vacant the entire time.

If she truly feels unsafe, there are laws in many places that protect her and will allow her to get out of the lease without any penalty.

Very well said @Doug SmithOnly thing I'd like to add to the above is a little more basic info @Tim Murray:-depending on your lender (% fee you'll pay to them for buy down, % rate drop, & prepayment penalty) and how long you plan on keeping a property will help to determine if the buy down is a good option or not-Granted right now with higher rates than a year ago and the unknowns of where rates will be always make it more difficult to guess, so we often have to make some guesstimates and factor in how long we plan on holding the property you're getting a loan on.

I want to avoid having my loan called and/or having to pay 5% pre-payment penalty up to 5 years.

A business will typically look to break a lease if they absolutely have to but exactly how things get handled and what penalties exist, are all matters dealt with in the commercial lease in rather explicit terms.

I want to avoid having my loan called and/or having to pay 5% pre-payment penalty up to 5 years.

You may, but there are also penalties to consider if you touch it prior to retirement.

Tell them if they aren't happy, they can give you notice and break the lease with no penalty and move out at the end of the month and you will find a new tenant.

The first could have 1 to 2 years of back payments accumulated over time from making a payment one month,then going for a loan mod,then going for a short sale,or filing a BK.Over time they could be tens of thousands behind and then you add in penalties,fees,and interest,back escrow,and attorneys feed.Now the principal balance on the first has ballooned up really big.

Require high cost penalties in the lease if the yard is not kept clean.