I am seeing a lot of this advice on BP about getting a heloc on your personal resi..however I am fairly certain the folks who are advocating those have no clue as to the small print.Heloc's can be CALLED  they can be FROZEN  just ask anyone who had one in 08 to 2010.

The previous owner installed a baseboard heater, which I turned to a medium setting (3 or 4 out of 7) throughout winter to prevent frozen pipes and other possible problems.

I don't really agree David, funds in accounts are seized, assets frozen, property auctioned off.

I see many students or "wannabe's" sit on the sidelines, essentially frozen by either fear or paralysis of analysis because they don't take action. 

Frozen at first but as I think it through it becomes easier to conceptualize.Any advice  would be so appreciated.  

I just looked up Viera High, and unfortunately, they are frozen out of area applications, so at this time the only way to attend there is to live within the boundaries.  

I live in the East San Francisco Bay Area. keep in mind that helocs can and do get frozen..even after you have opened them up. 

HW tanks, boiler if it has one, a frozen water meter is expensive to replace.

You will have different issues depending on what time of year it is (winter, frozen pipes if not well insulated), spring and summer, water getting through windows or brick exterior that may need pointed or has bad lintels)....the list goes on.If your new to buying old properties I would recommend at least 3-5k in reserve to weather the first two years of repairs and learning how the property will perform.

also sold stock to build cash to protect real estate in downturn keep in mind Lines of credit whether helocs or tradition signature lines can and will be called and frozen in a bad economy.. so don't count on those  to bail you out.. unless you get them now and evergreen them right away.