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.

Adjusted for inflation, the prices of homes in a desirable location appreciate more than average wages. 

It took a posting from me fir Grocapitus to make adjustments??

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.

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.

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.

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