You need to compare apples to apples, or at least KNOW that you are comparing apples with grapefruits.

It is imperative that you approach the situation prepared and as Alan said, ask the same questions so you may compare apples to apples.To answer the last part of your question, PML's will usually only lend based on YOU.

I do franchise financing and have run into this group with their BELOC - it’s claimed to be 10yrs IO full term low rate and they finance 100% of project. 

What are you guys thoughts on accepting rent using Apple Cash? 

I was speaking very generally however even on items where box stores and lumber yards are cost-competitive, it's not really an apples to apples comparison IME because the quality from the yard is usually a lot better, plus it's delivered for free while my local HD charges $100 per delivery, isn't easy to work with on scheduling, and usually only drops it at the curb.

Also ROI should be annualized in order make apples to apples comparison of investments.

It's becoming increasingly difficult to try and compare a truly "apples to apples" scenario to determine what's in your best interest.

Its much easier in the stock market because it costs less money and you can appl stock every Wed if you want to. 

Imagine if you could buy apple stock without using your own money, but you get all the appreciation and dividends.

And of course, doesn't matter where there're always good and bad apples... as much as they try to remove the bad ones, it's still your job to pick out the good ones.If you have any questions, feel free to reach out.