

1·
23 hours agoLooks like there are accounts that can earn 3.5%. It’s an hour or two of work. Average occupancy rate is close to three years. A $2000 deposit would cover an inspection after a year.
Fallback could be on the renter if there is reason to withhold and on the owner if there is no need to withhold.
Fiduciary responsibility. Bankers could become personally liable. Their investors would be quick to sue.