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.

I can proudly say I did not spend lots of money on fancy ring tones, as I never answered my phone for unknown numbers (which you can actually set your iphone to send them to vm btw).I get calls constantly about people wanting to buy a property I have not owned in 5+ years as well. 

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).

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

You are not pepsi, apple or alphabet….

Apples to apples, they appear opportunistic and taking advantage of someone who is green. 

You need to compare apples to apples.Mike

These are examples of how you could still be comparing apples to oranges focusing on safety and cash flow alone.

The fees and conditions also can differ a lot, so you should try figure out first what kind of apple do you want (DP, LTV, rate) and then bring them to an apple-to-apple comparison to see which one gives you what you need for what cost (instead of accepting all the fruits that are on display from each different DSCR provider).