HVAC vs Mini split system

[Rahel Ketema]

Hello,

I am remodeling my multi family house (3 flats) to modern. Currently has window A/C and radiator 2 of the units. One of the unit already has central AC.

I’m really interested in HVAC, however no existing ductwork on 2 of the units.  If I need to do HVAC have to demolition ceiling, I’m okay with that. But is it worth it or split system work the same? Cost?
would split system work the same heating and cooling? I live in Chicago area I need split system to work heating the same as the cooling. Would it look modern with split system. How about in long run with split system. Any suggestions? Also any referrals who can install, with great cost.

Thank you!