I like to eat chocolates, everyone does.

It helps prevent you from losing a property due to unexpected expenses or pinching your lifestyle by forcing you to make up low/negative cash flow.Equity is where you will make the real money.

The servicers dump the non performing ones to the big mean servicers at a discount, sometimes several times as servicers are in financial pinch. 

Many of those who have purchased Short-Term Rentals (STRs) in recent years are already feeling the pinch and will be forced to sell or convert to Long-Term Rentals (LTRs).

Nevertheless I'll pinch those pennies where I can.One nice thing is Oregon has no sales tax.

You're going to give them a gift card or some chocolates and they say "clean it up and keep it down, I'm trying to run a business here" (obviously I am paraphrasing).

Empty Lots in Half-Built Neighborhoods: Builders developing neighborhoods will feel the pinch and most likely stop building their in-progress nabes until rates change.

Since my STR is in Canada, in the Winter I leave out hot chocolate packets, also get those from Costco. 

He acknowledged to me on the phone that it was his fault, and is now trying to find ways to penny pinch.

I'd personally go buy a 6 month supply of chocolate/graham crackers/marshmallows and keep them in the storage closet and just have the cleaning crew throw a package out during the turnover.