They take on the risk? That’s hysterical. Landlords don’t risk market value. They buy up all the houses when they’re cheap, make their money back and then some by renting the property, then make even more money when the housing market goes up and they kick the tenant out to sell the property. They don’t risk property damage, that’s the entire point of a security deposit. They don’t “risk” maintenance, that’s called doing their job.