I have never responded to a lawyers letter and have never altered or modified how I dealt with their client or any other tenant I have.

I don't know how that translates if you're working with a team of people who are using tools constantly

translates into "no affordable housing for a lot of people." 

For most investors, that means sufficient equity.For me, that translates into an absolute max of 50% LTV for all mortgages and and liens.This is because you must subtract from the ARV the cost of probate or some other way to acquire marketable title.

STAGFLATION:  Again, stagflation is price inflation with high unemployment and low demand/spending translating to little or no real economic growth (adjusted for inflation).  

Starbucks $50 gift cards can be given as gifts which translate into expenses.

I've been blessed to survive the multiple layoff rounds however, I realized I need to alter my course.

Good luck  Curt - $1025 with a half month off rent translates to $982, $13 lower than your $995.

Below is more info and translation of the lingo. 

Of course, others, as mentioned above, translate this to even larger metro area discussions.