I would like one of the cabinets to be a panel ready mini-fridge that is built into the cabinets (because the kitchen space is small).

In retrospect I wish I would have just done two mini-splits with two baseboard back ups for when it was below -17 degrees.

John, do you know if the Honeywell or any other type of thermostat with remote monitoring capabilities is compatible with mini-split systems? 

5) Electrical/Plumbing - Bring everything up to code, make it efficient and easy6) HVAC - You most likely don't have existing 'conditioned air' in a basement, so I'd look at mini splits7) Kitchen?

Using round numbers, consider debt service min is 1700/mo.

I just took you through a mini case study of what they are talking about.

I've pulled permit on a mini 4k job, I've also not pulled permit on a 165k job, but 4k needs one and 165k doesn't.

@Marco-Dane Samuels - Unless you're going to put in a mini-split system yourself (and you still need an electrician to finalize the wiring and a plumber to charge the system) $10,000 to $12,000 is par for the course on new HVAC systems.

They drive a mini van that looks and sounds almost as bad.

Maybe have our own little mini group, grab coffee once in a while.