But ultimately you'll need to adjust the information for your local opportunities. 

But both feature modulating compressor speeds so variable cooling which can save on electrical, again more so in the swing months.As you have heard the positive of ductless systems is that the refrigerant lines are smaller than ductwork so they are great for installation in much older building because there is less intrusion of the structure for installation.

I've had to issue several adjustments after the fact. 

My initial rate back in June was 6.99% although it's adjustable and has gone up since of course. 

That determination can only be made by an licensed adjuster for the Insurance company.  

I've only had to do 1 and it was several thousand.....I would take a real hard look at your numbers and re-adjust your offer accordingly.

But if the appraisal comes in lower (or higher) then you can adjust your payoff. 

He wanted the appraisal to be high for a loan.The county had a much higher valuation.He went with the appraisal and his charm.They accepted the appraised value and adjusted the tax bill.

Family First Credit Union can give you a 80% LTV loan with a 7 year adjustable rate mortgage for something like that.

I’m on the board of a small camp in Crofton, NE (near Yankton SD) (~120 beds, 80k budget) and we have had insurance policy adjustments in policy and costs for last 4-5 yrs.