COVID-19: How to Properly Respond to Tenants’ Inquiries About Their Rents for April

In my last email, I asked for all to sign a petition to Congress to provide tenant rent and landlord mortgage relief. What I will discuss now is strictly for residential properties.

There is a 60-day no eviction and no rent increase moratorium throughout the state of California, ending May 31, 2020. Courthouses handling unlawful detainer are closed and cases are suspended until April 16, 2020, so the tenant has 10 days to respond and the default date will be May 5, 2020.

For units with Section 8 contracts, subsidized rent portion should have already been received. For units with contracts with non-profit housing agencies such as Brilliant Corners, HOPICS, and other Rapid Rehousing, the payments should also have sent via ACH or mail.

For the tenant portion of the rent, late fees are waived to those who have a legitimate reason such as work hour reduction or layoff due to COVID-19. All tenants have to provide updated paycheck and contact info about their place of employment. In summary, tenants have to provide the landlord with documentation that they are affected or impacted by the coronavirus pandemic. For those who have been laid off or have their working hours reduced, urge them to file an Unemployment Insurance (UI) claim as soon as possible.

Phone lines are busy, so filing online is the best solution. Here are all the ways to file:

English: 1-800-300-5616

Spanish: 1-800-326-8937

UI online - English Youtube video- English

UI online - Spanish Youtube video -Espanol

Tenants should also be made aware that rents are expected to be in full once they received the federal aid of $1,200 per adult and $500 per child. They should receive this no later than the end of April along with the $600 per week of UI payments.

I welcome any comments you might have. Until next time, stay safe and healthy.

What I am doing for the upcoming COVID-19 (coronavirus) pandemic

James Robb, pathologist and molecular virologist, recently released this letter discussing the likelyhood that the coronavirus could be “widespread in the US” by late March and April. 

Dear Colleagues, as some of you may recall, when I was a professor of pathology at the University of California San Diego, I was one of the first molecular virologists in the world to work on coronaviruses (the 1970s). I was the first to demonstrate the number of genes the virus contained. Since then, I have kept up with the coronavirus field and its multiple clinical transfers into the human population (e.g., SARS, MERS), from different animal sources.

The current projections for its expansion in the US are only probable, due to continued insufficient worldwide data, but it is most likely to be widespread in the US by mid to late March and April.

Here is what I have done and the precautions that I take and will take. These are the same precautions I currently use during our influenza seasons, except for the mask and gloves.:

1) NO HANDSHAKING! Use a fist bump, slight bow, elbow bump, etc.

2) Use ONLY your knuckle to touch light switches. elevator buttons, etc.. Lift the gasoline dispenser with a paper towel or use a disposable glove.

3) Open doors with your closed fist or hip - do not grasp the handle with your hand, unless there is no other way to open the door. Especially important on bathroom and post office/commercial doors.

4) Use disinfectant wipes at the stores when they are available, including wiping the handle and child seat in grocery carts.

5) Wash your hands with soap for 10-20 seconds and/or use a greater than 60% alcohol-based hand sanitizer whenever you return home from ANY activity that involves locations where other people have been.

6) Keep a bottle of sanitizer available at each of your home's entrances. AND in your car for use after getting gas or touching other contaminated objects when you can't immediately wash your hands.

7) If possible, cough or sneeze into a disposable tissue and discard. Use your elbow only if you have to. The clothing on your elbow will contain infectious virus that can be passed on for up to a week or more!

What I have stocked in preparation for the pandemic spread to the US:

1) Latex or nitrile latex disposable gloves for use when going shopping, using the gasoline pump, and all other outside activity when you come in contact with contaminated areas.

Note: This virus is spread in large droplets by coughing and sneezing. This means that the air will not infect you! BUT all the surfaces where these droplets land are infectious for about a week on average - everything that is associated with infected people will be contaminated and potentially infectious. The virus is on surfaces and you will not be infected unless your unprotected face is directly coughed or sneezed upon. This virus only has cell receptors for lung cells (it only infects your lungs) The only way for the virus to infect you is through your nose or mouth via your hands or an infected cough or sneeze onto or into your nose or mouth.

2) Stock up now with disposable surgical masks and use them to prevent you from touching your nose and/or mouth (We touch our nose/mouth 90X/day without knowing it!). This is the only way this virus can infect you - it is lung-specific. The mask will not prevent the virus in a direct sneeze from getting into your nose or mouth - it is only to keep you from touching your nose or mouth..

3) Stock up now with hand sanitizers and latex/nitrile gloves (get the appropriate sizes for your family). The hand sanitizers must be alcohol-based and greater than 60% alcohol to be effective..

4) Stock up now with zinc lozenges. These lozenges have been proven to be effective in blocking coronavirus (and most other viruses) from multiplying in your throat and nasopharynx. Use as directed several times each day when you begin to feel ANY "cold-like" symptoms beginning. It is best to lie down and let the lozenge dissolve in the back of your throat and nasopharynx. Cold-Eeze lozenges is one brand available, but there are other brands available.

I, as many others do, hope that this pandemic will be reasonably contained, BUT I personally do not think it will be. Humans have never seen this snake-associated virus before and have no internal defense against it. Tremendous worldwide efforts are being made to understand the molecular and clinical virology of this virus. Unbelievable molecular knowledge about the genomics, structure, and virulence of this virus has already been achieved. BUT, there will be NO drugs or vaccines available this year to protect us or limit the infection within us. Only symptomatic support is available.

I hope these personal thoughts will be helpful during this potentially catastrophic pandemic. You are welcome to share this email. Good luck to all of us! Jim

James Robb, MD FCAP

Learn more

Down Payment Assistance

First-time homebuyers don’t have to pay a 20% down payment. Down payment assistance programs can help you save.

Lately, I have received many questions from people about down payments. They say they want to buy a home but don’t have enough to pay for a 20% down payment. The good news is, 20% is rarely needed these days. There are down payment assistance programs for first-time homebuyers in California, but in some regions, there are income limits.

These programs range from 3% to 5% of the purchase price, with a FICO score minimum of 640. The income limit for these programs in Los Angeles is $144,000; for San Bernardino and Riverside Counties, it’s $138,000; and Orange County residents’ limit is $193,800. These programs make buying a home completely affordable in California. Right now, we have a 3.5% interest rate, so it may be the time to become a homeowner.

If you have any questions about down payment assistance or real estate in general, please reach out to me via phone or email. I would love to help you.