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How is a sub panel supposed to work if it doesn't have a neutral. I think maybe you are confusing a disconnect for a 240 volt device with a sub panel. They are not the same thing.
I think what ARROW is saying is that a subpanel dedicated to, and servicing ONLY to 240 volt branches does not need a neutral.
 

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Discussion Starter #22
I believe I will suggest he converts this over to a 120v - 60A sub panel. Since I can't run new cable to the attic, is the only other choice to use the existing electric heat #4-2w/g as the 20 amp circuit to the new furnace blower and the existing water heater #10-2w/g as the 15 amp circuit to the tankless WH? That sounds kinda messy in the main panel. Seems like the subpanel is the best way to go.
 
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