Okay I have a home with no permanent heat source. It is approximately 2500square feet with 1 non-thermostatically controlled pellet stove. When I asked the homeowner what is their heat source, they said the windows. I understand the requirements for heat for FHA/USDA, I do not know if Fannie/Freddie has a similar guideline in place or not. Are there such guidelines and if so, does the appraisal have to be made "subject to" or is a cost to cure adequate.