But the reason we cash the money out was to install a new heating system, my accountant recognized what we did as a necessity to live and was able to take it off from our income lowering our tax bracket and produces an actual return. 

@Brian Burke always brings the heat with his answers!

The bottom unit heat is good but the upper unit heat keeps changing up and down dramatically, 1 day would  be like 80 degree and other day would be like 50 degree.

The house still needs central heating and air.

I didn’t care for the heat and humidity but found that the people were kind and respectful and I LOVE how Jesus is not a dirty word there.)

I didn’t care for the heat and humidity but found that the people were kind and respectful and I LOVE how Jesus is not a dirty word there.)

I didn’t care for the heat and humidity but found that the people were kind and respectful and I LOVE how Jesus is not a dirty word there.)

It seems like a lot of money to spend on a low-end heating system, but the other options don't sound good either.

@Dale Miller  FHA, VA and USDA appraisals are far more difficult than for a conventional loan.Appraisal for a conventional loan is looking for the value of the property and to ensure that all major systems are functional - water, sewer, electricity, heating and AC.FHA/VA/USDA does the same, but will also fail for anything that can loosely be interpreted as a health or safety issue. 

Get the space air conditioned or heated so mold stops.