Yes Brian is comparing apples to oranges in terms of the interest.

Do an apples to apples comparison, and then do what "feels" right...lol Ben,I know you are yanking my chain ... or do I need to break out the crayons ;-)That's me .... discount everything into the future - money earned and money spent next year is less valuable to me than money today. 

Give me the definitions and then we can compare apples to apples....so far it’s a nonsense discussion3.

:Do you feel threatened by this little apple tree?

Issue with listsource is that the "Over the counter" accounts dont have some of the filters the corp accounts have so its a little apples and oranges.

Insurance companies who assess risk don't care about who is the bad apple, the owner or the pit bull, only what are the odds of a dog bite doing serious damage leading to a large claim? 

Be sure you are comparing apples to apples when others are quoting you a specific cash return number.I hope this is helpful, and I'm glad to get on the phone and chat in more depth.

Also lenders on revenue will not have as great of rates as those lending on market value of single family.Lastly you can make numbers do what ever you want especially when you start off with omitting expenses.... comparing rent by the room and a standard single family is apples to oranges.

I suppose there will always be bad apples like in any other industry.