Let’s be honest - you’re going to buy a mini split based on its capacity and SEER rating, not an energy star label.
When I tapped this two years ago, it was for a ducted heat pump system replacement where the only immutable requirement was that the system had to have earned the ENERGY STAR label. SEER2 rating was a mere secondary consideration that had no impact on credit qualification; 14.8 was my saddle point.
At the time, ductless mini-splits had to be ENERGY STAR certified and SEER2 > 16 to qualify.
[1] https://www.energystar.gov/about/federal-tax-credits/air-sou...
Energy Star is the blue and white label stickers granted to products meeting some energy efficiency levels and is managed by the EPA.