If your LOC gets frozen before you take the cash out, you could lose all your earnest money.  

Scalloped picket fence lines the newly landscaped front yard.

Equity is owned by the property and is frozen...and useless as long as it is in that state. 

Do you have specific language in the lease regarding frozen pipes and keeping pipes from freezing?

I know I have had a few BiggerPockets friends who helped move water heaters(@Dan Weber @Ken P.) and lend me heaters to thaw frozen plumbing(@Tyler Bushey).Does anyone else have similar ideas?

After I purchased the property, I found the solar hot water system was super hokey, had two electric pumps with frozen motors and the system did not produce any hot water.

My stock portfolio is already halfway dipped into the gutter and I'm kinda frozen.

Which will be nice, since it’s all been frozen 2.5 years.

Student loans payments and even mortgages were frozen.

although keep in mind most helocs are not fixed financing.. they can be frozen or called if the lender in their opinion thinks your market is back tracking.