@Michael Craig Piesnikowski First step would be to have a HVAC professional out there to diagnose what the issue might be.

For the loan, I've seen lower than 14% on hard money so let me know if you want some recommendations.As for your related question, in my opinion, it's best to ensure that all utilities are on for the duration of the project so you can spot/diagnose potential issues as well as simply for convenience.

My current contractor has diagnosed and found legitimate issues with my property that my inspector wasn't capable of doing, which in the end has cost me money I could've negotiated up-front for my current property. 

Those diagnoses are not in themselves proof of a disability.

Here's a video I'm using for this model to try to diagnose it myselfModel lgef3045kfhhttps://www.repairclinic.com/Video/Mobile-Show-Help-Video?

My wife was recently diagnosed with an electrical issue with her heart and the new medication has made her far more susceptible to several allergens.

The opportunity to enable property managers to estimate repairs, contractors to diagnose repairs, or realtors to estimate pricing or rent based on photos and geo-location alone is likely not far off.

It should also be mentioned that one person in five will be diagnosed with serious mental illness in their lifetime.  

But just like a good doctor would not diagnose your condition over the internet, giving you specific advice about your personal situation is just as bad. 

I have been diagnosed with Analysis Paralysis.