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Permanent Heat Source in Bathroom?

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How open is it to the upper floor? I mean if an open loft or wide staircase, heat rises and with open doors it isn't going to be cold cold up there...cooler perhaps. As for a bathroom, many bathrooms have no "heat" or simply a 250 watt overheat heat lamp on a timer. My bathrooms have an electric fan heater - the fixture contains the night light, dual light bulbs and this small heater...which will shut off if it gets too hot. The bedroom heat vent is over the bathroom door and the other bathroom has a vent to the central heat. But even without, there is never a time it would not be able to be 50 degrees.

I've lived in houses were the wood stove was "it" and kept the house warm - bathroom was chilly but only if taking a bath would I kick on a small wall heater. A $100 item at most. 1673560289749.png
 
Well, just heard back from the lender and the underwriter provided this. It is their interpretation that the bathroom needs a permanent heat source.

View attachment 71509

Nothing in there states the bathroom must have heat, but the UW is interpreting it that way so your call.

IMHO, that makes this is a client condition (which is their prerogative), not an MPR and I would disclose that.
 
It was so cold in the bathroom...
How cold was it?

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you didn't mention if this is a refi. anytime you need an electric baseboard heater in any room for FHA, it has to be hard wired, not a plug in outlet one. i would ignore the bathroom. i do mostly row homes, the house on each side of you keeps the house warm enough, i give them credit for next door neighbor heater.
 
Ever heard of anyone freezing to death in a bathroom :) LMAO

What if a family had a bathroom with no heat source? They decided to leave on a two week vacation in the middle of the Winter. Someone accidentally shut the bathroom door before they left. Now the heat source for the rest of the house cannot reach the bathroom. The temperature drops below freezing for about a week or two and the pipes in the bathroom freeze and burst.
 
I have seen beneath-the-counter water supply lines located along an exterior wall freeze overnight in a home heated to 70 degrees.
Move to Minnesota, they said ... it's not that cold, they said...
 
I have seen beneath-the-counter water supply lines located along an exterior wall freeze overnight in a home heated to 70 degrees.

This is the real question...are any pipes on the exterior wall?

I've seen new construction homes where exterior wall pipes have frozen and popped and I've seen 200 year old homes with no second floor heat or insulation never have a problem
 
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