divide by zero errors

[AllenMead]

ok, I have the following formulas which are giving me a divide by zero error;

(All 5 formulas are Arrays confirmed with { })

=AVERAGE(IF((Properties!D3:D1002="CPHA")*((Properties!Q3:Q1002="Y")+(Properties!Q3:Q1002="A")),Properties!BY3:BY1002))

=SUMPRODUCT(((Properties!$Q$3:$Q$1002="Y")+(Properties!$Q$3:$Q$1002="A"))*(Properties!$BW$3:$BW$1002<>"")*(MONTH(Properties!$DC$3:$DC$1002)=MONTH(Months!$A3))*(Properties!$DC$3:$DC$1002<>"")*(Properties!$D$3:$D$1002="CPHA"))*AVERAGE(IF((Properties!$D$3:$D$1002="CPHA")*((Properties!$Q$3:$Q$1002="Y")+(Properties!$Q$3:$Q$1002="A")),Properties!$BY$3:$BY$1002))

=SUMPRODUCT(((Properties!$U$3:$U$1002="Y")+(Properties!$U$3:$U$1002="A"))*(Properties!$BW$3:$BW$1002<>"")*(MONTH(Properties!$DC$3:$DC$1002)=MONTH(Months!$A3))*(Properties!$DC$3:$DC$1002<>""))*AVERAGE(IF((Properties!$U$3:$U$1002="Y")+(Properties!$U$3:$U$1002="A"),IF(Properties!$BY$3:$BY$1002<>"", Properties!$BY$3:$BY$1002)))

=SUMPRODUCT(((Properties!$W$3:$W$1002="Y")+(Properties!$W$3:$W$1002="A"))*(Properties!$BW$3:$BW$1002<>"")*(MONTH(Properties!$DC$3:$DC$1002)=MONTH(Months!$A3))*(Properties!$DC$3:$DC$1002<>""))*AVERAGE(IF((Properties!$W$3:$W$1002="Y")+(Properties!$W$3:$W$1002="A"),IF(Properties!$BY$3:$BY$1002<>"", Properties!$BY$3:$BY$1002)))

=SUMPRODUCT(((Properties!$Q$3:$Q$1002="Y")+(Properties!$Q$3:$Q$1002="A"))*(Properties!$BW$3:$BW$1002<>"")*(MONTH(Properties!$DC$3:$DC$1002)=MONTH(Months!$A3))*(Properties!$DC$3:$DC$1002<>""))*AVERAGE(IF((Properties!$Q$3:$Q$1002="Y")+(Properties!$Q$3:$Q$1002="A"),IF(Properties!$BY$3:$BY$1002<>"", Properties!$BY$3:$BY$1002)))

Any help would be much appreciated.