Lenders often have 'in house' capital to lend that can be accessed via exception or compensating factors.

Pretty much all of them sell and are compensated for selling.

Inflation and market crashes are a fact of life, so you must accumulate additional funds to compensate.

Apples and OrangesContinual complaints from victim homeowners whose credit and possibly lives are destroyed by selling sub to to buyers who aren’t intending or able to make payments thru “tough” times will inevitably bring a call to action to AGs to find laws that can be appropriated to use to file charges against the most abusive proponents.

Most conventional or Non-QM lenders will require an independent third part assessment but if the LTV is low enough and some compensating factors, occasionally for a rate and term refinance lenders will allow a drive by or 'online' appraisal.

If your goal is assume a loan, I would offer the lender some sort of compensation as they are generally only paid if they write your loan, which is not the case with an assumable loan, as the current servicer will be underwriting and providing the new loan.  

If you did, then you were compensated. 

You should include PM costs even if planning on self managing because it is work and you deserve to be compensated for this work.  

Juries side with the “victim” against the investor, so always go with a bench trial.

If the water bill is $100 a month, increase the price by 20% (or whatever you decide is fair) to compensate you for the time required to split and bill and to cover additional use when tenants squander the utility.