=IF(COUNTA(INDEX(F:L,ROWS($1:20)*5-97))=0,"",SUMIF(INDEX(F:L,ROWS($1:20)*5-97),"<0"))

The function above is what I want in cell T20. It works fine until I run one
of my marcos and the 20 in the index function changes. I have the index
because I didn't know how to make an indirect work for a logical test. Some
how I need the index to be like this: INDEX(F:L,ROWS($1:(CURRENT ROW)*5-97)).

Hopefully I explained this so someone can understand. Thanks for the help,
and if there is any confusion on my post let me know and I can try to
rephrase my question.