Last summer I had a system installed in my house, two outside units 24k each, and 5 inside wall units, four 8k and a 16k which does my house minus the basement. It is a Fujitsu system, I used it primarily for cooling and worked great and barely caused my power to go up in the summer. In the fall I used it a little for heat but once it got steadily below freezing I went to my NG baseboard heat witch is cheaper and more efficient. The install for the split took about a week and cost $12k, I was able to get the normal rebate, but none of the income dependent ones. Shop around and good luck.