Well, you would first have to be dealing with a residence that both values are under $250,000 and then the depreciation would have to be a big factor in the equation, and then the person would have to live there between 50% and 80% of the time. I think you are trying to throw a dart at a moving target. If the consumer complains or the agent suggests to them something different, then re-examine.
Go ahead and ask your examiners - you are going to get a deer in the headlights look as they are not going to have a clue what you are talking about and then they will most likely make something up that makes no sense at all.
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