My questions are: how do I approach the conversation that the goal is to help them get out of a stressful situation as well as making a good business decision for myself?   

I also agree that $83k/ year seems like an awful lot right now, but I will definitely be looking to purchase small multifamily properties to decrease the unit per cost like you talked about.

That's what many tenants would feel and do ..... but in the back of my mind that stress of doing that would still linger with me... not something I have EVER done beforeBasically I'm pissed that my wife for even put us in this situation by signing the lease to begin with...

It is a good way to decrease your living expenses. 

If you don't want turnover, it often makes sense to have smaller (or no) rent increases on reliable low-stress long-term tenants.

Commercial route will allow you to consolidate loan into portfolio loan which may decrease you monthly payments. 

I'm trying to do as much as I can for her so I actually become someone solving her problem, and decreasing her work, not adding to it or giving her more.

Hey Local Airbnb Hosts 👋 Recently, there has been a lot of rumors in regards to decrease of demand of short term rentals overall in the country.

I'm trying to do as much as I can for her so I actually become someone solving her problem, and decreasing her work, not adding to it or giving her more.

This too shall pass.Interestingly, this is exactly the reason that loan underwriters "stress test" the financials on properties and require things like a 1.3 Debt Service Coverage Ration and cash reserves.