I am utilizing and storing lines of ridiculously cheap credit now in case they get frozen later.Normally a house and apt holder I will be looking into industrial, warehouse, retail and office niches if owners tap out after the beating they must be experiencing now.These niches have been on my radar for the last year or so but will become more of a focus. 

@William Garcia nowadays non hard money I/O loans are hard to come by in residential real estate (especially now as non QM loans are frozen at most banks due to the pandemic).

@Pete Storseth The non-qualified mortgage programs like you are talking about are currently frozen until the servicers are bailed out. 

Its not prudent to sit frozen and think you know what is going to happen.  

Everyone was frozen in time, hoping to wake up from the nightmare that only a total lockdown can create.

However, I understand they have frozen opening new lines of credit for new customers since COVID.  

Nice call with the automatic delivery to protect against frozen pipes 

The had to evict the last tenants and lost out on 5 months of rent do to the evictions being frozen.  

My question is when we do that do the loan payments start right up or can you keep the loan money frozen until we find a property and purchase it.

Helocs are variable rates and technically can be frozen or even called at the whim of the bank, however it’s hard to imagine interest rates rising much any time soon since our country owes $20T+.