A line of credit is adjustable rate with interest only payments that will have a "draw" period usually of 3-5 years for investment properties (usually 10 years for primary home) then will amortize over the remaining term after the draw period.

I am still manually adjust my rates beyond what they recommend. i do find other things easy to do.

New-home sales hit a seasonally adjusted annual rate of 698,000.

I recommend you do this annually to adjust for utility increases and other variables.

It appears they quickly know how to adjust and select the right property.

My approach is to take a few minutes per quarter and make sure it is accurate by manually checking my true competition and adjustmenting prices accordingly. 

As a former adjuster and fellow Dallas investor, I’ve seen this often.

When you go to sell, you're subject to tax on the amount of profit between your adjusted basis and sale price, not your purchase vs sale price.Recapture is not repaying the depreciation.

If it concerns you that much, adjust the purchase price to take into account this added risk. 

Using a recent example from one of my deals, I saw firsthand how inaccurate comps, misclassifications, and unfair adjustments could impact an appraisal by tens of thousands of dollars.I’d love to hear from other investors—have you ever had to dispute an appraisal?