Definitely get a quote from Nespolo Mechanical before you pull the trigger. We were in the exact same boat trying to figure out how to afford doing our living room, master, and the kids' playroom. Nespolo actually has a promo going right now where if you buy a qualifying 2-zone system, they do a 3rd room expansion for free. It covered our living room, primary bedroom, and gave us the extra unit for the playroom at no extra equipment or install cost. The crew was awesome and it saved us a ton compared to the other local quotes.