Specifically, that exception applies when "only a PORTION of the main home is used for business or rental usage"....

Cost could change but the bigger issue is making sure the usage is still eligible for the type of policy you have.As an example, at the time of application, a company might ask are all lease agreements for one year or longer. 

If you are licensed psychologist, I would ask you to send this entire thread to your mentor and get them to weigh in on your behavior and usage over and over of the words bullying.I have told you to get help multiple times which I stand by.

If you are building for usage by friends, family, yourself the return is not the primary intent and they serve the intended purpose. 

Just above $100k..with personal usages and not optimally managed for the moment..

"Never" pay off credit cards or it will hurt the scores even more simply pay them down under 30% usage or less.

The rent you can get for the property is not going to support pulling out as much equity since the property is skewed toward land/location (appreciation) not usage (cashflow).

Your credit score will likely bounce back in a month or two depending on card usage.  

The first 5 uses are free and then after that with a Pro Membership you get unlimited usage.

Then at the end of the month/quarter you just have to do the math to deduct their usage from the total and bill it how you want.Best option for me going forward is to simply not look at properties that aren't individually metered already haha