For the same problem with slightly diff rows but still lots of space
rows....

This works in H26...
=SUMPRODUCT((D6:D22="sub total")*(H6:H22=0))

This doesn't work in H27...
=SUMPRODUCT((OFFSET(D6,0,0,ROW()-5,1)="sub total")*(H6:H22=0))

You can see I'm trying to use the Offset function to a specific cell and
inluding Row() to return a range.

Any idea wha'ts happening here?