Is it a PPL service? 

Comparing this to oil or timber rights is comparing apples to hand grenades. 

membership is something like APPL which is just non regulated group of private investors working on best practices but there is no authority behind them like  state license or NMLS registration has ..

This allows the GC to make sure they are comparing apples to apples.

(They have an app)Apple Pay?

I'm not saying all wholesalers are bad apples, but I have seen way too many vulnerable homeowners be taken advantage of for this not to a problem.

If you instead have a $100k balance on your HELOC @ 5%, and you make the same $536.82 payment as you did above (apples to apples), you will get the same breakdown of interest and principal (assuming you make a single monthly payment at the end of the month).

But that is often an "apples to oranges" comparison unless you're going to live in the property/house hack.Got it.

It just makes life easier - they shop a variety of insurers and are more easily able to compare apples to apples because they know how the various companies present coverages.

The top 5 names have a higher P/E actually-- Amazon at 48, Nvidia at 53, Apple is at 41, MSFT at 37.