He then informed me that the market here in NYC is like no other and it is very condense and extremely competitive.

Adding new service for the 12 can lights, garage door motor, AC Condenser, furnace, kitchen appliances (5), and a washer and dryer circuit, hanging three ceiling fans, three exterior floods in existing locations, two porch lights, one light bar in the bathroom and finally switching out all existing plugs and switches.

Central AC unit, if there is already ductwork and it is just the condenser, etc.

Mountains, trails, and not overpopulated if you want to get away from the condensed population of large cities.

.- $1050 to replace a 40-gallon hot water heater (in the attic).Last year:$ 450 to replace fan motor and capacitor in Condensing unit outside.How do I know if those are fair costs?  

I just condensed this introduction down from 3 pages to two paragraphs.

He could tell by popping off the doors they the insulation was falling off (sparks flied at one point) and the evaporator condenser was heavily corrosive which can leak harmful R22 refrigerant into the home plus found bio growth inside leading to potential health concerns.

For those that qualify, it's not an interest rate sensitive loan, because the payoff timeline is so condensed.

Low-end A/C condenser and gas furnace installed will run you about $1800 and up...Average heat pump installed will run about $3500 and up...40 gallon gas H2O heater at Home Depot will run about $450, plus another $40 for an expansion tank.

It sounds like what you have is condensation that's probably stemming from an underlying insulation problem.