I wouldn't call the majority of the people you mentioned gurus, but I would substitute it with the word "expert" or an authority.

If there are numbers the calculator is asking for but you don't have, find out what they are, or decide on a reasonable substitute you can use.

Substitute the word 'house' with 'car'.

If this is a CA note and it were me, I'd go right to substituting the current trustee with a foreclosing trustee service and have them go straight to a notice of default.

Personally, I've bridged, cross-collateralized, substituted security, forced appreciation, and more in order to facilitate timely exit of private capital.  

Therefore this article in particular or ANY article found on this site can’t be a substitution for a professional.

I work as an emergency substitute teacher and have considered getting my teaching license, but would rather do real estate. 

Even if it meets all of their requirements they still make up excuses or worst yet substitute good Comps for BAD ONES.Instead of saying it looks good but we don't want it - they use OLDER COMPS, Foreclosures and Active Listings as their Comps in place of good ones.I am trying to get my money back now!

You can also generally substitute SEC with state securities law since jurisdiction may be at the state level for many promoters.

You have to be unique, so others can’t reproduce what you’ve created.Non-substitutable is similar to rarity, but it also means that what your posting is relatively impossible to be replaced by something new.