If you're tackling a 3-zone mini split install yourself, a system rated to heat...

https://www.e-architect.com/articles/best-3-zone-diy-mini-split

If you're tackling a 3-zone mini split install yourself, a system rated to heat down to -13°F can keep you cozy through harsh winters. Expect to spend around $4,100-$5,600 on the kit alone, plus $300-$800 if you need a pro electrician for hookups