I lived in a condo in 09 where the landlord had financial issues and the bank took over the few units he had in the building. Roommate and I got a letter from the bank telling us to start sending our rent checks there. No direct phone number, no individual to contact, just the mailing address and the main line.
Banks only care about getting their money. Before then, if something needed to be fixed, I could shoot the owner an email and it would be taken care of, bank's going to give you the
Even pre-COVID, if you were cool with the landlord or had a sympathetic one, they may let you slide on rent or tell you to just give you half and pay the rest later. These banks aren't doing that shyt.
Got laid off? fukk you pay me.
Was in the hospital and have major bills? fukk you pay me
Car broke down and needed to replace the transmission to get to work and used up all your money? fukk you pay me
Even if the landlord decided to take you to court for an eviction and wanted to do it himself, you'd have a chance that he fukk up with the paperwork or miss the deadline. Banks have attorneys whose sole role is to evict people. They won't mess up.