In those cases I still get paid very well out of the buyers down payment and the seller feels security in a liquid buyer.You might have found some brokers/agents to do this kind of stuff back in 2009, 2010 when markets were frozen and sellers would do anything to sell a property.

The account was quickly frozen and the buyer received his $2.4M back.

Even if funds were frozen the government later on wouldn't just not release money owed.

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.

Fair enoughProsHomes can be purchased for a fraction of the cost of higher end markets.High rental demand.Relatively landlord friendly government.ConsLoosing population to the states with warmer climates.Freezing winters leave investors open to the risks of frozen pipes and property damage.A small problem can turn into a big problem if your property is thousands of miles away.

Your cash-on-cash rate is the NOI/your down payment.Going ALL CASH moves your cash-on-cash to be equal to your Cap Rate,or NOI/purchase price where you have great equity, but that's frozen into the property until you sell it.IMO, use a small down payment as possible and OPM to conserve cash and a better yield.