Ken, as you have discovered, there is a very narrow "sweet spot" for the pH of mozzarella. Just a little less acid than required, and it won't stretch; just a little too much acid, and it turns to a grainy, crumbly mess. From your description, I wonder if you got a bit too much acid; I'd start testing a little bit in some hot water once the pH reaches 5.4 to be sure you don't get too acidic.