I am investigating FHA powersaver loan, up to 25k and 20 year lo interest loans to buy energy savings equip. With that, looking at Mitsubishi heat pump (oil heat currently) and hot water hybrid heat pump like geospring, and possibly solar panels (avoiding solar city types leasing, which seems to be a ripoff). There are nice tax incentives and millenials dig the green aspect. Of course this is theoretic, and need to more deeply research which makes most sense.