lolif your comparing it to buying apple back in 19???

However, those 5 things you listed are apples and oranges to IBanking, especially #5. 

However, bad apples exist in all business.

If you're trying to utilize the extra equity, I'd recommend shopping some more to see what other brokers/lenders can offer you; both at 70% LTV (to compare apples to apples) and 75% LTV.

Rental money vs. mutual fund returns is not an apple-to-apple comparison.

When Apple updated to a recent iOS 6, some users had problems connecting some WPA2 wi-fi networks.

As people have mentioned, need to keep it apples to apples. 

Some years ago I HAD to use lic electricians to install a 200 amp service in our Barn.

That horse is already out of the barn.

@Whitney Bowling based on your other thread of your deals and your investing strategy I would say comparing what you’re doing investing wise and what a large (and I’m assuming well financed) developer is doing is comparing apples to oranges.