It would be a fraction of 1% of homes, and probably have to be a noticeably hot climate, that would require rehanging drywall.

This is from a CA playbook, where ADU's are common - not the right play for Wisconsin climate.

The long term prognosis for any below grade living space in a Midwest climate is not good...basements were never designed to be living spaces.

This is due in part to our strategic location (access to almost 60% of the US population within 1-day's drive) and the favorable business climate the city has fostered over the years. 

Hi all,We are making an offer on a house that has been passed on multiple times due to it having a swamp cooler (evaporative cooling) instead of central AC.It is in the Denver area where the climate is relatively dry, other houses in the neighborhood have them, and they in general are more efficient and cheaper than central AC units.

This questions is impossible to answer, all we can do as investors is play in the current climate. 

Rates are certainly tough in this economic climate, the best way to shop for mortgages would be through a broker.

Heck ask the climate scare gang that keeps buying oceanfront property. 

Economic Conditions: Assess the local and national economic climate.

With this climate 70% is the standard.