I was able to save money on the roof, HWT, and AC condenser because they were all less than 5 years old.

I've seen AC condensate pump lines that were operating properly, discharging onto the roof, get bent over and decked over, that continued to pump water into the ceiling void destroying three floors of apartments over a two year period before the cause was, literally, uncovered.Water runs downhill, and looks for the easiest path to do so.

Not sure where this job is but I thought pretty much everything in NY had to be permitted...which it seems like no permit here.2nd issue is one we usually overlook....it's the condensation factor of air conditioned space abutting outside walls.  

Is there a condensed version we can respond to?

Home has a top-quality roof, boasts a brand new hot water heater, new furnace, new condenser unit, new windows, new main sewer line, and sump pump. $3,500 incentive to use preferred lender and title company.

In addition, this home boasts a brand new hot water heater, new furnace, new condenser unit, new windows, new main sewer line, and sump pump.

Which areas would you condense down to ?

From my experience of 20 or so furnaces, the 80% furnace is much more reliable. 90% furnaces rot themselves out due to the high condensation. 

It sounds like you can add a coil w/condenser and zone the system.

Whether window, split, or central, plan on specific periodic maintenance/cleaning to keep them operating at their best, and prevent breakdowns in the worst part of the season.A final consideration regarding window units, you need to ensure they are properly and securely installed and condensate drains are routed away from the structure.