If it were me I would totally ignore any suggestion related to getting a HELOC.

Ignore interest rates.

Or do I only report what I actually collected and ignore the fact that I am "charging" more? 

Hi Bigger pockets.This is my first post, so please forgive my ignorance. 

I deflected it by asking what are you investing in then never heard from them or ignored the message. 

If they choose to stay, ignore their complaints and then send them a non-renewal notice when the time is right. 

This crude method ignores all the other debt payments tenants have.

And let’s say you defer paying $100k of capital gains (let’s ignore depreciation recapture for now).

There are some LO's out there that say you can ignore a mortgage if you show 12 months of payments made by someone else, but have never seen it happen in practice and not sure how it would be possible.  

You follow the sheepsass in front of you doing the exact same thing as they do, or you ask them for advise and willing to FRIGGIN BLINDLY accept said advise COMPLETELY ignoring logic.For Pete's sake people. seriously.What do you want your seller to think?