Even if you only duct from the furnace to the lower unit and then install a mini split in the upper unit.

This house has all-new roof, windows, subfloor, waterproof vinyl floor, soft close cabinets, appliances, siding, insulation, HVAC and duct work, light fixtures, tubs and showers, toilets, vanities..... so many updates!!!

Below is the color for the interior that I am dying to do, so I’m having a hard time imagining anything to go with that.Is white a no-go?

Now on to your question about how to tell if the property is in the high-risk flood zone. look at the photo I have attached the light blue color symbolizes the high-risk flood zone sometimes you may see an area in orange on this map that is usually the shaded X zone.

This makes is much easier to remember/know what paint color and type to have ready for repainting and touch ups.

Paint for sure, don't use strong colors just some off white for walls and white for molding and doors.Not sure how big is the apartment, refinish wood floors id you have or install engineered wood or bamboo flooring, there are some good looking cheap options (check build direct)But bathrooms and kitchens make the big difference, if you are doing the renovation yourself, check with IKEA kitchens, you can get some nice cabinets what will give a fresh look for not much money.. also you could just replace the wall cabinets if the base ones are decent and could be refurbuished The counters are tricky because big money require quartzite counter tops that are pretty expensive, but there are some OK options. 

specify a color., must be moved when they leave?

And I can only start with what I have ;)Risking letting my newbie colors show, Dollar General?

She also had painted the house with unfinished job – a few rooms only painted partially with a drastically different color.

I for one would love to see some ALFs with a colorful style more along the lines of House of Blues rather than ... drab/dreary/beige.