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.

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. 

So it is almost never an apples-to-apples comparison. 

It's apples to oranges, not a great comparison. 

I would simply pick how you want to look at it, and then assess all deals in the same way, so you have apples to apples comparison.

It's comparing apples to orangutans.