This may be because (1) until recently interest rates were trending lower so if the lender is getting a higher rate on subject note than he can obtain on new note there’s no monetary incentive to call the note (2) in the past technology did not exist to identify the property transfers (ten years ago county recording docs were not online) and (3) the lenders rather collect payments than own property.  

(I have $80K left on mortgage)My newest property, I bought this year for $125K, I put $60K into it but with a HML, so cash out of pocket was about $20K, I just refinanced it and am putting up for rent for $1800, my PITI is $1600.

They have a form you can fill out and submit, might be able to do it online depending on the city.  

For residential properties with a basis of less than $1.2 million, check out our online DIY Residential Cost Segregator. 

I can't remember, but it turned out that since I kept paying my broker 1%+ every time I re-financed my principal never decreased.

It's just old mom and pop owners, many do not even list the rentals online. 

@Scott Trench   ​    I saw that as well online - 90 day moratorium - basicaly no unsolicitied offers to homeowners impacted in specific zip codes.

Yes, most lenders will require you to live in a primary residence before moving out, refinancing, or converting into a rental.

If you’re in it for cash flow, you’ll likely find it difficult to find a deal that will pencil out.Besides, like @Jason Taken said, hundreds of thousands of new units have come online post-pandemic, so there’s a lot of new builds at the moment.

Monitoring open windows isn't feasible in my case, but I can definitely monitor daily electricity usage online