Property is a duplex built in 1985.Limited water damage coverage and liability maxes at 300K are my two chief complaints about the policy I can have through Heritage.

American Heritage credit union .

I went to Heritage High School off of Center Road. 

Providing you can have loans secured on your property up to 75% of its value,  I think the correct  calculation is (230*0.75) - 42 : Which gives you 130k yes, you're right, thanks We recently set a HELOC with American Heritage credit union with a fixed rate of 3.99%, 3 years draw period and 10 years Amortization period .

Both closed-cell spray foam (~R6 per inch)  and dense packed cellulose/mineral wool (~R4 per inch) have their place.In brick buildings (where it is safe to insulate the structural brick walls) and older buildings where we either have enough wall cavity to achieve our desired insulation value; are gutting the interior and have the option to deepen the wall cavities; or are restricted from altering the exterior of the building (i.e. heritage), I prefer to used closed-cell foam as it provides both your insulation and air sealing in a single step.  

Have a property under contract which is located in a Heritage Preservation district that's needs some TLC.

For those of you buying  and rehabbing distressed properties for long term holds, in West Michigan, Grand Rapids, Lansing, East Lansing, Detroit, the Lakeshore, Grand Valley, Heritage Hill (all key words) =) or anywhere else in the State of Michigan, I would encourage you to research the Mathiew-Gast Act. http://www.gladwinrealestateagent.com/mathieu-gast...  

Heritage Community Credit Union in FolsomSafe Credit UnionGolden Pacific BankAll portfolio lenders that have more flexibility for investors than most banks.

I personally ended up going with American Heritage.

It's an umbrella terms for ALL canines with a mixed heritage that includes bulldog.I'm rather uniquely qualified to answer this so I will start with the actual question.No.