How much do they charge?

You can have a box of items that are free for tenants to take/use: toothbrush, toothpaste, charging cables left behind from other guests, sunscreen, unused earplugs, etc.

For example, one of the lenders I deal with requires at least a 700 score for "rookie" developers with no experience and requires a 25% down payment and charges 13% rate and 2.0% fees.

I have this theory that basically the stock market can grow faster than the fundamentals more so than housing, reason being when people put money into their 401k or whatever they are just throwing money in, not looking at p/e or whatever, the stock market is in part just an index of Americans excess savings plus it’s a unstated policy of the government that stocks go up, where as housing people are obviously very very aware of how much thier monthly payments is/ how much rent is, plus it seems that is actually a push to lower housing prices at least relative to inflation.

There aren't many things that "appear" to be leaks, they usually are leaks and if it's been leaking since May you are going to have way more issues to worry about than a premium plumber charge.

A very prominent loan officer in NJ was charged recently for helping borrowers do just this. 

They were nice and didn't charge me the 10% penalty though.       

Always charge at least some sort of security deposit, and the first months rent up front upon movein.7. 

Your landlord could also allow the charges to compile until you leave, then deduct it from your deposit. 

With TOU service you charge it at night for 5-7c/kw and use it during the day to arbitrage the price difference.