Frozen cash. 

If it's poorer than expected, this is the first time in 3-4 years where retail employment will get halted(frozen) but I doubt trimmed.

I'm also keeping the remainder of the current build cost available in cash, just in case the credit line gets frozen.                 

and because on the inside I actually do care about others, even their noses, instead of simply throwing out or burying my fish guts (attracts the coyotes yes, right here in the city), I freeze them until trash day, in a bag and right next to my frozen pizza.

I drove down, had utilities transferred in my name, called the tenant directly (she called back when I left a message saying I'm the owner standing in her unit taking pictures and ready to sue if there were frozen pipes). 

Will start next year (frozen ground)!

It isn't just the amount of rain, but how long the rain lasts and if the ground is already saturated (or frozen) and can't hold any more water. 

For example: clogged drains, broken doors and windows, screens, disabled or detached smoke detectors, fire extinguishers, frozen pipes resulting from keeping the heat in the Premises too low during cold weather, overloaded circuits, damaged greenery and foliage, and other damages to the Premises that are caused by the Tenants or their guests/permitees/invitees shall be charged to the Tenant.

Not so with the HELOC.Lastly, is the risk of a HELOC being frozen by the bank really a big issue?

Navigating the real estate info-education world of charlatans and snake-oil salesmen, my goal was to find the folks who were actually teaching and learning by doing.My search eventually introduced me to working class New Yorkers like Eli and Marina, who, seeking a better life through passive income, created the Syracuse Connection which focused on buying property in the frozen tundra of upstate New York.Some believed Syracuse had a promising future as a city looking to reinvent itself.