Take a look at BAC, Scotiabank, Prival or public banks such as BCR or Banco Nacional (they have a bad reputation of being slower than private banks with foreigners).

They don't inspect and only discover damages three years later when the tenant leaves.

Having worked in and around real estate including loan side for both residential and smaller specialized commercial (medical), renovation and new construction/new build with a broker & brokerage founder (who has since retired) I know from him that in addition to reputable property managers, contractors and architects we had accountants including a forensic accountant on the loan side and a handful of real estate attorneys with one on retainer.

Check out different lenders, compare their rates and terms, and read reviews to make sure that you’re working with a reputable company.

The area has a reputation for being "sketchy". 

Issue: Last October 2023, a pipe under the floor leaked from my upper condo unit to the downstairs unit causing damage to the neighbor's kitchen.My condo was paid off, so little did I know, I didn't buy an insurance policy at that time (failed). 

While you like to trash a very reputable forum such as The Great MortgageGrapevine and the trolls and tools that reside there. 

the main risk for those you mentioned is Reputation and I think investors especially heavy BP followers rely on reputation bias quite a bit.

Yeah...you have to be careful with your reputation.

Just think about the worst damage a tenant can cause, such being liable for setting your rental house on fire or burning down your rental house and the neighbor's house, etc.