We had it happen with a new build that we were working on during covid where the contractor took months extra to start, wouldn't need any money until his credit line was about to be frozen and then need money that day ect.

A sharp recession had frozen the credit markets, leaving Zell unable to refinance his real estate loans.

The immediate role of equity is the use of the cash to pay off monthly bills.Equity:  Frozen money, virtual money. 

Frozen pipe means you found the area to insulate better so it won’t happen again If you aren’t sure about your water main/ sewer main get insurance for $10 a month. 

It's the equity (frozen cash, and the actual cost of the property) that is the means to grow your portfolio. 

The tenant who broke their lease 45-days after renewal, the frozen pipes during a historic freeze this past year, a couple of hot water heaters and furnaces over the years... 

Is everyone else seeing the delayed/frozen payouts issue back again?

The problem with traditional Helocs are that when the credit market tightens (when deals are typically aplenty) they're the first thing frozen or converted by banks.  

Entire line can be frozen or called at any time with like 60 days notice. 

After 2 weeks and many emails, proof of identification, phone calls, and a letter, they released my funds (which was over $2,000), but kept my account frozen.