A better approach is Passive Annual Heat Storage (PAHS). You store excess summer heat for winter use. Requires a very large mass for this heating/cooling system. I built mine almost 20 yrs ago, works as advertised. No overhangs are necessary, will not overheat in summer. No AC needed here in Virginia.
I've worked on the design of many, currently for southern France, South Carolina, and central Mexico. The annual heat storage is treated like any heating or cooling system, sized according to the house heat loss/gain. But there are no moving parts, no pumps, no motors, nothing to maintain. It just sits there.
Slight variations are needed according to whether it's primarily a heating or cooling climate, and how severe. The first PAHS was in Missoula, Montana where the originator managed an annual indoor temperature swing of only 7º, without his doing anything. They hover near 70º. Doesn't take much to change that, according to your need.
6' of overhead dirt gets rather expensive to support. I've found that our high mass houses can be built for less than conventional stick houses. Usually no need for a furnace or AC. For a mortgage, adding a tiny air source heat pump is the best bet. You don't have to use it, but it makes the appraiser happy. Also functions for dehumidifying in humid climates.
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