I’d think most renters would have their own charger depending on the plug types used.Until EVs are much more prevalent and the standard is 100% aligned for charger I don’t think we’ll see a lot of them except at mega complexes, and to your point it’ll probably be a manager who wants a write off for theirs. 

There are definitely pros and cons to each so I figured I would just lay out a few benefits and personal thoughts: Small banks/brokerages:Pros:- Some regional knowledge of the market- Possibility of more creative lending guidelines with bank specific programs- Sometimes they have competitive rates for their areaCons: - weak balance sheet (more strict on some guidelines, no wiggle room, inability to be flexible or grant exceptions because they cannot afford to hold less than perfect loans)- Can't scale with clients to different markets- Usually limits exposure to individual investors (they don't want one investor to be too big of a portion of their balance sheet)- Lack of experience with multiple solutions (tend to have 2 or 3 loan products they sell and are too niche to provide tailored solutions)Large banks/brokerages:Pros:- Large compliance departments that understand individual market guidelines (typically each state has specific lending guidelines that augment the national baseline)- Ability to scale into multiple markets with same lender (licensed in many states)- Impossible for individual investors to "outgrow" a large bank's balance sheet (not concerned with one investor's concentration)- More lending solutions available for different scenarios- Often comparable or better rates given the game is volume basedCons:- Can be more difficult to get fast responses if the bank/brokerage does not have good follow up systems in place (or if the underwriting/processing staff gets overwhelmed)- Bad large banks can feel less like a relationship and more like a cog in a factory (less personal)Overall, I have worked from both and worked with both as a loan officer, branch manager, and as an investor/client myself. 

The servicer would need to be licensed in the state where the property address of your loan is located.The servicer will perform all the same tasks as the Full-Service option except for the skip tracing and borrower calls.

You're best bet is to talk to management and see if there is an exception that can be made based on your plan.

Have not heard of the others except AD Mortgage. 

Nothing accomplished except to add confusion, complication, and make transactions potentially more difficult to close.  

I've never seen any Dem suggest government ownership, except for the handful who identify themselves as Democratic Socialists. 

We generally 100% require escrow - this seems like something that could probably be figured out - we do have the ability if needed in rare exceptions to waive insurance escrows however - usually we only do so in cases like condos or PUDs where the HOA requires insurance through them and they take care of everything.

Not a lot will change in the end, except more paperwork and some confused buyers and sellers. 

(The only exception is multi-families.