Bad faith argument, and certainly not the case for homeowners intending to leverage certain tax incentives[1]. When I tapped this two years ago, it was for a d

Bad faith argument, and certainly not the case for homeowners intending to leverage certain tax incentives[1]. When I tapped this two years ago, it was for a ducted heat pump system replacement where the only immutable requirement was that the system had to have earned the ENERGY STAR label. SEER2 rating was a mere secondary consideration that had no impact on credit qualification; 14.8 was my saddle point. At the time, ductless mini-splits had to be ENERGY STAR certified and SEER2 > 16 to qualify. [1] https://www.energystar.gov/about/federal-tax-credits/air-source-heat-pumps https://www.energystar.gov/about/federal-tax-credits/air-sou...