Question about Heloc's

[Joshua D.]

So when we get a Heloc we get 85% appraised value of the home. They do a walk around the entire house inside and out. I believe the mainly go off comps but I'm thinking they give us a lot more then what the home is really worth. Because we don't exactly flip the house but make it nice enough to rent. Bare minimum in my eyes and hold off for when we sell one day. Could this be possible that they are giving us more then what the house is actually worth? because we aren't fixing up to sell standards and they are basing off house sales that were a lot more updated or most of the time were. are we doing this right or no?