The air will need to have a back pressure to push itself into the higher parts of the house, and they wont get that pressure if the lower vents just let all the air go.

Always keeping this in mind helps me stay focused, and disciplined on when and how I use other peoples money to be sure I not only wont loose money but will always return it with more. 

You typically wont see much change in the premium on an ACV policy, so to me it just doesn't make any sense to consider it, but that's up to you? 

Saying the allergens are less at your new house probably wont work either.

If you have an entity in any state, so long as its in good standing, you wont have any problem.

We cant do a conventional because it wont be a primary residence.

So far I have identified TD Bank, Santander (but they have a $250k cap) and Penfed (but they wont offer HELOCs in first lien or if you own more than 4 units).

This way you wont have to pay any taxes on it.

Title is not guaranteed on many properties and the condition isn't known by them so arguing the home is destroyed isn't a great argument because they aren't concerned.In the end, you can pick up good deals if you know your stuff, but it takes time and effort.

I use an iPhone and certain things wont work for me like tagging people when I want to mention them in a post.