Then divide the readings based on usage fractionally from overall bill to get the appropriate reading.  

Weird I know but money is debt in a fractional reserve system.

But people are settling for fractions of a dollar with insurance because they need the money now and can't wait to negotiate a better deal.   

Just buy the ABNB share itself where it's priced pre-IPO, with the cash flow and revenue projection, the Airbnb valuation is so cheap and could provide a modest return in the future2. or invest in fractional home ownership where Airbnb is offered, like arrived/Bezos home is still offering 5% cap Airbnb with money as little as $100.I did all three myself (own STVR,owned fractional sTVR and willing to acquire ABNB shares with pre-public offering price lol).

Only a fraction of my money is in the stock market.

In my case, a bunch of investors each put in money, giving us a fractional ownership of the company.

Perhaps you should care about it a fraction as much as those who have died do.

Carves out a fractionalized portion for themselves, perhaps taking a fee deducted up front and either a minority share or the back end of an amortized note.I think it requires licensing, however others disagree with me.

Except those flat screen TV's he bought 3 years ago, and all of the furniture, are worth fractions of what they were worth new. 

I agree with Austin, make sure to discuss your plans with a local expert the fees they charge are a fraction of what you will pay if you do it wrong.My understanding is that you can do an FHA loan or possibly an FHA 203k loan "Repair money in the FHA loan" for properties that are four units or less as long as you live in one unit for the first year.