[Heel n Toe]

I would think an apartment, with insulation at modern standards, would do better - even with a mini-split.

Hmmmm... that's an assumption... what if the apt. owner had the builder cut corners and the insulation isn't up to modern standards?

Also, is it a ground floor unit? Always harder to heat. I remember having an upstairs apt. for a few years after college. We had it made in the winter because of the heat from the folks below us.

Could be a big ass apartment, though, or a really undersized heating unit.

This made me think of another variable; what temp did these wimmenz keep the thermostat set to? Many wimmenz likez to keep it nice and toasty, you know. It might not be a stretch to say they kept it on 75-78. That could get expensive.