I require my tenants to have the utilities in their name, if they do not pay it is on them, not me, but I have all my properties in my name as a backup so if someone doesn't pay, the water and electric is not shut off so I do not end up with frozen pipes.

Had I not gone to the property would have had frozen pipes.

Equity frozen and isn't real until it's defrosted. 

@Daniel Paloscio sadly they are only updating their facebook page :/ basically claimed to be at bankruptcy at play ... funds frozen https://www.facebook.com/eRentPayment/

The ARM is currently 6.9% and they said it is frozen although my original loan agreement capped it at 10% roughly.

(growth)No more toilets, no more tenants, no more evictions, no more frozen water pipes, no more bounced checks, no more tenant damages.......

The Big Chill frozen yogurt; 6.

I remember being at Cracker barrel waiting to be seated and looking in the Farmers Almanac going back years.What astounded me is yes people put 20% down but the cost of living was way less as well.I remember seeing something in the 1940's and 1950's a house was like 25 or 30,000 and the average salary was around 18,000.So it was easy to save money.fast forward to today on what a median home costs compare to average salary.Costs have gone through the roof and salary for most families has become frozen or decreased.The problem is pay isn't keeping up with costs of living.If we have no middle class and just the rich and the poor you are looking at another Egypt scenario.45% in Egypt live under the poverty level.That's why they led hundreds of thousands of protestors down the street to oust the president.I just don't see putting 20% down but maybe 10%Now if a house that was 100k was 3,500 down and that house dropped in value to 50,000 then 10% down is 5k.I could see that working.I just don't think salaries support putting 20% down for most people.

I try to stay in my lane.. real estate is totally regional.. one market cools another is hotter than a fire cracker.One thing that I see as a constant though is refurbed 125k and under properties that rent for about the 1% rule are still wildly popular and I don't see that stopping unless its like 2008 the GFC and investor loans were frozen and the big banks stopped doing them..

The taxes on my place are frozen under Tx law due to age and disability and I'm concerned that if I purchase an adjacent plot then the taxes will be reassessed to current market value and then re-frozen.