Here is a house designed for a client, construction starts soon. Locale is ski country, winter design temp -15 F. Summer A/C needs are minimal, and until just a few years ago, new homes of all sizes were not built with A/C, and never with ducted heat.

The question here is can this be HVAC'd with the mini split placement on this main floor as shown in the attached floor plan. Two wall units at opposite ends of the 800 sf open-plan space of entry, living , dining, and kitchen, then two ceiling cassettes in the bedroom suite. That part has four connected rooms: bed, bath, closet, laundry, and cassettes are proposed for bedroom and bath. See the yellow items highlighted in the plan view.

We have auxiliary heating for the parts of the winter when it is well below freezing all figured out, knowing that mini splits are gonna struggle then.

Here's a fly-around. https://www.youtube.com/watch?v=XqYzdHDZwkw

The plan for main floor (there's a full walkout basement under) is attached. Mini splits are yellow.