With all meters ganged rather close in an accessible spot.You're right, you can't expect them sleep in winter coats.If it were mine, I'd have a couple of heating contractors come out and look into dual furnaces with the required duct work.If code lets you put a furnace on the second floor and you have the room, insulated ducts in the attic might be an option.If code lets you install it in the attic and you have space up there that might be an option too.Floor 1, insulated ducts in the basement.Watch your intake draw, if it's all form floor 1 floor 2 may have problems.

The home has been painted inside with relatively updated colors; walls are SW Accessible Beige and trim / doors are SW Alabaster white. 

You may need to paint if your color scheme requires it.  

Next hour or so will register EIN with IRS, best selection I have found during discovery is to establish it as either 8832 or 2553 instead of individual/disregarded entity.Between the two found that S-Corp may be the best route vs Corp since it is definitely considered Small Business.I appreciate you sharing some color to this monochrome current position I am in.Thank you all dear BPeers!

When everyone says to be safe and use colors for the masses, we ignore that advice and just reno as if we were going to move into the houses ourself.

This included renovating and updating the kitchen and living room area, moving a bathroom to a new location, updating the basement (Added HVAC ducting throughout the basement), added a bar area, fixing the outdoor landscaping.

All new colors and patterns so that is cool.https://www.costco.com/reversible-down-alternative-blanket-b...In a rare instance, the online purchase price is the same as in store for us.

And, establish a regular preventative maintenance schedule for them, twice yearly.It does not make much sense to add ducting for central air at this point.

Frequently there is a sheet metal plate that needs to be removed from the duct under or beside the evaporative cooler and it needs to be stowed for summer to be replaced in the fall. 

Again, some people skipped this step and are now seeing mold or foundation damage.Don't run the HVAC (if you still have one) until all of these steps are completed or you may have mold spores in your duct work and throughout the house.