As long as credit does not freeze there is always going to be some velocity in the market.

If your business model includes employed Section-8 you may see some hardships with full rent payments.As (if) rents go down, section-8 may adjust downward too, meaning either lower your rents or face turns.[5] Nobody is pointing UP, they seem to be thinking DOWNWARD, or are just freezing in place and waiting to see "the whites of their eyes".Just my 2 cents. 

Hell will freeze over before anyone dictates to me what window coverings I'm allowed to have in my own living space!

REFIs are still available so its not a credit freeze but cash flow will change if rents did not go up dramatically to cover the increase in cost of capital..

(freezes up periodically). 

You also have to remember that if for any reason your credit scores drop or you take on more debts credit cards car loans the HELOC lender can and will reduce or freeze your HELOC limit.HELOC's are also not an asset and cannot be used as reserves when buying new home down the road they are an excessive trade line liability.

People come in and crank it down to like 60 thinking it will cool fast while it really just freezes my system over.After he was finishing the service report over the phone he asked me if I wanted to prevent if from being set below 67 degrees. 

It will outlast copper in acid water systems by decades, and it has more freeze resistance than anything, plus if worse comes to worst, the copper thieves have no reason to destroy the house while the tenants are on a 2 week vacay.

Mini splits don’t heat well below freezing so in cold places it’s recommended to still have a secondary heating source.  

The ‘bottom’ also acts as a freeze plug.