Well, I had time to think it over.
I think the best spread would be something like the Golden Dawn Spread. I'll check the forum in hopes someone posted it in a way I can understand. Why I like this spread is because it ends abruptly. If the question can't be answered the spread is done.
So, if I ask it "Is this house haunted?" and my significator card is not within the correct cut, then the read ends. I would guess the second last cut for Vau (Swords - trouble and loss, a ghost) or the last cut for He (Pentacles - material goods, the house) would seem correct in this situation.
What to do after that I have no clue.