They have scribbled on the walls and used the brick siding as their own personal chalkboard.

If the math doesn't add up behind their numbers and reasonings then it would only bother me (nails on a chalk board) to try and listen to their bs rationale behind the appraisal.  

Look for the woman standing in front of a chalkboard.

I only look for real wood items, no pressed wood junk, I may sand it and stain it, I may put chalk boards on the fronts and sides, maybe granite on the top, I do not go out an purchase these for full retail.

I had an accounting professor that started his first class by walking in the back door to the class and throwing a water ballon at the chalk board.

Everyone's financial situation is different and different strategies will work better for different people.The part that's like nails on a chalkboard (and what this thread was originally about) is this comment from you: "In the HELOC strategy, you borrow the money now and start saving mortgage interest immediately and pay it back as your funds come in, so speed is another advantage."

When someone says, "I want to buy an Airbnb," it's like nails on a chalkboard.

Refuses to schedule final walkthrough, after he leaves we find and document damage slightly in excess of his security deposit, much of it the result of tenant painting some walls with a black type paint that turns the walls into chalkboards?  

Flat paint looks fine at first, but after it rains a few times, it will look like a dirty chalk board.

When I hear a relative speaking with a scarcity mindset it’s like nails on a chalkboard at first, but then I just tune it out.Another comment was made that’s a good one: I now have my “old friends/relatives” and “real estate friends”.