Of course it’s up from 2018/2019, but that’s apples and oranges from what I’m talking about.

You are comparing apples and oranges - i.e. sellers who place their home on the MLS without a traditional agent and those that never put their homes on the market but do a private deal.

With the economy and market as they are, should I continue aggressively paying down the HELOC to potentially borrow against again or should I just pay the Interest Only (IO) payments and seek other funding at the current day higher interest rates?

They will be a little more expensive that Conventional when compared apples to apples, but would probably be worth it. 

It's apples, oranges, and bananas.

Get multiple quotes and make apples to apples comparisons.

I wonder if you had a little robbing peter to pay Paul going on and the eviction moratorium and non payment of rent upset the apple cart..

So yeah, it's an action of weeding out the 199 "bad apples" to find the 1, ONE legitimate person/family. 

But, also, make sure you are comparing apples to apples including pre-payments penalties. 

First Republic - CaliforniaFremont Bank, CaliforniaFulton BankGFA Federal Credit Union 10 yr draw, 10 yr repay, MAGranite State CU, NH 90-100%Great Lakes Credit Union GTE Financial, FL w 2 yrs tax history on propertyHanscom FCU, FloridaHSBC 70%, for premier clients only Horizon, Kalamazoo MichiganHuntington 75% LTV 5 yr IO product available.