My house is payed off and worth about 350k I own one 3/2 rental paid off worth about 220k.Considering deals are so hard to find I kind of gave up looking  feeling  frozen not sure what to do next any suggestions  ?

Perils not covered on basic but covered on special would be (some not all):  Theft (important in Detroit), water damage (frozen pipes certainly happen in MI), weight of ice and snow (same), etc.I know of markets that do write special up there, such as Diamond State, Scottsdale, etc, but it's not a low cost policy.

New opportunities should be sought in this area starting right now while loans are essentially frozen.8) Less people will own more properties.

While evictions are frozen at the moment, you'll still have recourse after the SIP and moratorium is lifted.

Frozen capital until the market resets to new normal.By summer economic vacancy of 15% becomes the new normal.Vegas condos in trendy hotels like Signature MGM, VDARA, Palms are selling for $150-250k.Hospitality assets will be trading on ten-x auctions and $1M will buy you a 100 key Quality Inn in a decent metro like Tucson, Houston, etc.Multifamily holds on the longest as operators scale back cap ex and race to the bottom on concessions, rent price, etc.Retail strip centers in urban sprawl suburbs sit vacant no debt market or tenancy demand. 

I could even put the current fridge in the garage as a bonus fridge for storing frozen meats/beers/extra food.

I have a heloc on the property but have wondered if it will eventually be frozen if the market declines significantly.

Sounds good but I have to wait until anything is selling in this location for $55-60K considering selling costs.I’m sure, at El Paso it’s different and everything is better: no winters, frozen pipes, taxes are lower and rainbow is beautiful.When I’m thinking about investing OOS, I’d like to see the numbers - apples to apples, not some nice descriptions of National economy.ps I’m serious, by the way - I have clients who are looking for better markets and when I see something interesting - I’m telling them to count the money there.

I suspect he may have been referring to a Heloc.. those can get frozen and called.. happened big time in the GFC ..

Frozen pipes are something I have never experienced.