Comment foscam/loftek (Score 1) 263
All Foscam/Loftek cameras I've played with allow for the image to simply be retrieved as a JPEG from the camera by accessing an HTTP URL with a username/password in the query string. (Sometimes in a streaming/server-push manner, but I assume there's a way to change or work around that)
From your question, I don't quite understand what you're trying to do with FTP, but Foscam/Loftek+wget should give you the flexibility you need. (Before buying, I recommend consulting the Zoneminder wiki/forums, as cameras that aren't flexible with their content don't work with Zoneminder either.)