I know this is an old thread, but I thought I'd update it with some of my more recent experiences from the commercial side. I've bought five H20-100s off Ebay in the past 3-4 months. One to replace one of my two remaining H20-600s that died, a couple for new locations, a couple just to have on hand as spares or for testing.
I didn't check status on any of them, but I'm assuming most/all were considered leased by Directv. Two came with access cards, I was able to activate them using the old card, no problem. Three came without cards. One I was able to activate with an access card I pulled from an old H20-600 I had laying around. A second one I tried the same and they told me I couldn't because the RID listed it as a residential leased receiver and I was told it was impossible for me to activate it on my account. So I called the next day and activated it no problem
The third I tried the same thing with and they said they couldn't activate it with a card from another receiver and I had to buy a new card because cards could never be reused. Instead of seeing "invalid access card" like I'd seen before when I pulled a card from one of my receivers I saw "you inserted the wrong access card", so I figured maybe there was something different about this receiver and just to get it done I had them ship me a card for $20. I think what may have happened is that I might have tried a card pulled from an H20-600 that was still 'active' on my account (since I haven't bothered to deactivate the ones that died since they don't cost me anything) I wish I remembered the card number that I tried so I could verify that.
Since I've had no problems activating receivers with the existing card, from now on when I buy from Ebay, I'm only going to buy H20-100s that include the access card. Those aren't uncommon, they either list it in the description, or they show you a picture of the receiver with an open access card door. I know people report Directv asking them to return the access card when they trade in a working H20 but consider the unit unrecoverable. I don't know if I'd be able to use these or not on my account since I've never had one I knew for sure was unrecoverable.
If anyone is curious about the price I'm paying, I didn't pay more than $30 including shipping on any of them. Most of the auctions start at 99 cents, sometimes $5-10. So far when I've entered that starting bid I've never been outbid. Not a lot of buyers for these now I guess. I see a lot of H20-600s up for auction, sometimes even some listed as new in the box. I won't touch them, not even brand new, they are junk. So far all the ones I've bought have worked perfectly.