Those were Tasty Kakes (Krimpets and TandyTakes/KandyKakes IIRC), and they don't have that long of a shelf life unless you had frozen them months back ... ;)But in any case I hope you and your family enjoyed them :)

Btw, many (myself included) had heloc's frozen or cancelled and never missed any type of payment in our lives.

So know that I am ready to take a stab at it I am frozen..  

Francesco is correct.I invested in this area 2013 - 2016 and at this point the window has closed for finding MLS deals "where the numbers work".I've started to look outside Hudson County.Union City has MLS properties from time to time where the numbers show some cash flow, but UC is a speculative play because the rent control board has frozen rent increases (my understanding-you confirm this).

The Home had been vacant for over a year and there were frozen pipe issues with leaking water in the basement.

I can tell you I have seen many investors make millions and then lose millions because they became overleveraged at the peak of a cycle.You own all of these properties but when the market goes down you can become upside down or cash flow insolvent.The time for 100% owner finance, little money down, etc. is when the market cycle is frozen and just starting to recover for an asset class.

I've had an entire house re-plumbed not due to frozen pipes but it cost about $4,000. 

To stand frozen by indecision is the real problem.  

In the HR market the cool down period is just beginning and it will be cold, for sellers, by Halloween and frozen by Thanksgiving.

Bank accounts can be frozen or seized.