Daikin 3MXM 3-Zone 24,000 BTU (9k+9k+15k)

No — the 3MXM allows up to 33,000 BTU of connected capacity on a 24,000 BTU condenser, and that diversity ratio means the system assumes the rooms won't all demand maximum output at once. For bedrooms plus a main suite with staggered use that's fine; for three rooms with identical simultaneous loads, size more conservatively.

No — rated heating stops at 5°F, which is the wrong tool for genuinely cold winters. It's built for moderate climates; if you need a 3-zone that heats below zero, Mitsubishi's H2i multi is the benchmark alternative at a higher price.

Professional installation by a licensed contractor plus registration — do both and it's the longest parts coverage in the multi-zone class, beating the typical 5-10 years elsewhere. Skip the paperwork and you fall back to much shorter terms.

No — the FTXV wall heads have WiFi built in, one of the quiet advantages over the MXZ. The package also accepts cassette and slim-duct FDMQ heads if you want mixed head types across the three zones.

Often yes: at ~$6,100 in equipment, two good singles can cost less, avoid the single-condenser point of failure, and modulate better — the 3MXM's high minimum output means short-cycling when just one 9k head calls. The multi earns its place when only one condenser location is viable or three rooms genuinely need conditioning.