Hello, does anyone have a small HVAC contractor that they can recommend in the Indianapolis area? 

The cashflow should cove ALL of the expenses for the primary (mortgage, taxes, insurance, utilities, etc) AND put money in their pocket.

The money market account appears to be insured for $500,000, but I don't expect Vanguard to go bankrupt in a month.

You may have to search a bit for the right contractor or engineer - sometimes I see one solution dominating in an area - "that is how we always do it" 

It's a slow go though because contractors are so backed up.

Also, the insurance was a lot less on a brand new home compared to an older one. 

Liability insurance?

I would need insurance to fully cover any accidents. 

(Loan App, ID, Bank Statements, Entity Docs, Leases, Experience, Credit and Background Reports, Third Party Title and Insurance contact info) Once reviewed and all documents have been clarified, submit to the lender. 2.

You gotta choose, you can save money by doing things yourself, or save money by getting insurance and tax benefits.....