I just had brand new electric furnaces and air conditioners installed along with ductwork, wiring, the whole 9 yards on a property that didn't have central heating/cooling before3 separate setups for 3 different units stacked on each other.

It turns out what I thought was baseboard hot water heating was actually just an old style of forced air vent so there was no need for new ductwork.In the process of installing the new air conditioner (there wasn't one before) I had to open up a wall and run a new circuit outside. 

Your electric bill is higher in the summer because you are using the air conditioner.

That being said, it's just a white noise/humming sound, just like having a window air conditioner.

I was talking to my property manager in SW Florida one day and they told me they had a tenant that refused to use the air conditioner.

I would think that the rental income would be enough, but we were hit with a couple big bills for roof and air conditioner replacements over the past few years, so the numbers weren't impressive enough for the banks. 

It had been vandalized, all the appliances were gone, the two central air conditioners were gone, some of the blinds, all of the shower heads. 

Window unit air conditioners draw an extraordinary amount of electricity in these old buildings with no insulation.I know Ghent is great, but you may have better luck holding out for something in Ocean View that's not in a flood zone - they do exist. 

Basement floors, furnace, air conditioner, etc.....EVERYTHING.  

Follow up question: all appliance are more than 10 years old (except the central air conditioner/heater).