I agree with the other posters about zones...they need to be put in when the house is built. I work from home and put in a 3/4-ton mini-split AC/heat pump in my office so I could just condition that space, since I am the only one who is home during the day. I bought the unit on-line, but had to have it installed by a contractor in order for the warranty to be honored. The unit cost me $1200, and installation cost $1100. I ran the electrical myself. I think the installation price was high, but I had to use a contractor that was approved by the unit manufacturer, and they did do a very good and thorough job.
This was two years ago and so far everything is working fine, and I would have no problem recommending the mini-split. You can also do "zones" with them if there are several spaces that you need to condition.