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20x is a bit harsh, but I'll go for it, maybe not a full $500 in case something better comes along.

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20X is misleading since Multi's definition of a raked hand is far more liberal than most other sites. On Multi, a $1 pot counts as a raked pot. On other sites it takes a much larger pot (usually $5 but as high as $20) to count.

This makes a huge, huge difference at lower buy-ins!!

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Are you sure about this....anything under $5 has no rake so how can it possibly be considered as a "raked hand"

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This is true for limit games. For NL, however, the games are raked .05 of every dollar beginning at $1.