There was an investment fund that called itself a club which also had meetings but the club was just recently closed and it their assets were frozen by the SEC.  

During the pandemic rents were frozen....now they are not.

But--and this sounds obvious, but it's true--if you focus on the potential good that can come out of an endeavor, those rewards will help to propel you.I find I'm often frozen by my fears, or what I call "analyzation paralyzation."

It could be a more expensive fix then repairing the frozen pipe damage.

Of course before you call someone out make sure yourself it is broken and not a frozen line. 

We are dealing with potentially frozen ground and LOTS of trees 30-40 of them, 100 ft. setback. 

Months later a lot of borrowers that came to me did have their HELOC"s frozen or modified downwards since the collateral value that backed the loan was rapidly diminishing.

The overall value of the deal did not changed, we did not bring any less money to Close ... the fence is still getting replaced (though, according to the contractor not until spring as the ground is now partially frozen) - it's a bylaw requirement, so there would be no opportunity to "pocket" the money and not do the work.

Of course, the gas and electric are needed to heat the building in winter, so that there will be no frozen pipes - a very important consideration up north.

That is a much safer bet. not only that if things do get worse the heloc's can be frozen or called those are NOT fixed term loans the loans length is at the unilateral discretion of the lender ( read the fine print of your mortgage note).