Many companies are also limiting the claim for mold.

What is their federal lending limit?  

In my experience, most have limited product offerings.

Being a remote location might already limit client base.

The appeal of student housing to rental investors lies in its ability to provide a steady income stream, especially in areas with high enrollment growth and limited new construction.Given your experience and the quality of your properties, you should find a receptive market among rental investors.

An example of that is tenant must pay for additional electric over flat fee / flat limit since now there is 2 occupants in the home instead of originally one.

Only reason I've been doing it is to get 0% business credit card limit increases.  

I might try the “emergency service” which is $20 with limited data and just use that for the smart locks and ring cameras.

I bet $1 this a bot. 

Honestly, upgrading to a commercial-grade stackable setup like Speed Queen or Maytag might be your best bet.