You can get the air handler and ducts into conditioned space in several ways without needing a basement or crawl space.
Ducts in attic or crawl space.
Knowing the disadvantages of attic install and the crawl space install.
This means that like an attic or unfinished basement you don t heat and cool it.
Strap ducts out of insulation with 3 ductstraps per specifications.
The hot air leaves your furnace at the desired temperature.
The crawl space is an unconditioned space.
While the attic install isn t ideal it beats the problems that come with ducts.
I vote for the attic.
Ii lowered ceilings in hallways.
Now your sealed and insulated attic and your hvac duct system is protected from extreme temperatures like your crawlspace or basement.
That same ac system that could never cool your bedrooms now with a sealed and insulated attic is providing supply airflow temperatures on par with the same unit located under a house.
As don peek says in the comments below it may be more cost effective in existing homes to seal and insulate the ducts as well as you can.
Sweating ducts in crawl spaces and attics getting mad.
If the ducts are in an unconditioned attic you can put spray foam insulation on the roof deck.
Seal supply boxes with mastic.
In the winter a crawl space can be significantly colder than the living spaces of your home.
See the article i linked to for more details.
Insulate and air seal the floor with open cell foam put ductwork and mechanicals in the attic install a radiant barrier and mastic seal the ducts.
If the ducts are in an unconditioned crawl space you can encapsulate.
Leaks from air conditioning condensate probably are not the worst moisture problem in a.
In addition to understanding the fundamentals of psychrometrics dewitt pointed out that hvac contractors.
I lowered soffits around room perimeters.
Iii special trusses that create space below the unconditioned attic.