how is they going to pay the mortgage loan itself if this happen?

anyway, i thought this problem only occur at low cost flat/medium cost apartment
first we need to understand why owner refuse to pay the maintenance?
is it because they expect tenant to pay it? if yes, is there any proper clause in rental agreement regarding who actually should pay for it?

too many questions and unclear answer. so the better/safest way is to deal with owner to include maintenance fee into your monthly rental.
let say rental is 1500, maintenance fee 200. make a deal with owner, bank in 1300 to them and another 200 to management. problem solved.