We do have attic access, the apartment is on the second floor, underneath it is part of our unit, so going up from underneath is trickier for the two bedrooms, but probably very easy for the kitchen, bathroom and living room since they're above an unfinished "utility room" which is where we're going to put a washer/dryer, the circuit breaker for the apartment and would probably be a good place for the furnace too.
Anybody use hi-velocity HVAC? It looks like it might be a little more upfront, but would combine AC and heat which might be nice. Installing the smaller ducts looks a lot easier/neater than full sized ones to me.
It'd be better to have something that could heat a lot of closed off rooms since the bedrooms are off a separate hallway, so wood stoves are probably out, same with a monitor heater. (I would love to have a pellet stove, but it's probably not going to happen).
My wife is pretty happy with her idea of electric baseboards, they look like they'd be cheap to install which is a plus. She grew up with them, but most of the time they were just a supplement to the wood stove. I like that they're cheap to install, but I'm not sure they're what we want even if we're not paying the cost to run them.