Will it stay frozen high?

Plus, there are the following disadvantages:- Bank loans can be called- Lines of credit can be frozen so if you don't use them, you risk not having access to the funds- Interest rates and payments can go upI guess I'm trying to avoid black swans and blowing up of using short-term credit to invest in long-duration assets like real estate.But, perhaps the fear of rising interest rates is overblown?

Reserves are cash and equities NOT credit, I find that crazy that people consider credit a reserve when it can be frozen or taken away by a bank.

@Dimitri Wilson most of these look like valid complaints on the surface: lost water, no heat, frozen water pipes, water damage in the bedroom, toilet leaking, etc.I just took over management of 24 units that the owner was "managing" on his own.

Although Heloc's can be frozen and or called at the sole discretion of the lender.. unlike fixed term debt.. and especially in markets that lenders feel their collateral could be at risk.. 

While working with a plumber at my rental to find the blockage we determined the problem was a frozen sewage pipe.

If it gets to day 61, most policies will reduce coverage and exclude coverage for things like Theft or frozen pipes, etc.

ONly use it for short term financing.. used correctly its a nice tool in your tool belt.down side is they can be frozen and called all due by the lender in the lenders SOLE discretion.so the risk is you have a 100k remodel going you pull 50k from heloc  bank freezes it were are you going to get the other 50k ?

Just had to pay a large chunk for buying a property that had it's taxes frozen from the previous owners being elderly ... and having the tax assessed value jump $75,000 when I purchased.

Here in Dallas rental increases have been frozen due to a lack of funding.