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We are building a new house in upstate NY, in 2020. I am struggling with how to heat and cool it. I may not have access to natural gas, so let's assume that is out. Geothermal is an option, but with a long ROI, not sure I want to go that route. I know minisplits from trips to Mexico, for cooling only. But heat pump (mnisplit?) systems can also be used for heating...? If not, any other suggestions, besides the obvious wood or pellets?