INSTRUCTIONS FOR PERFORMING A MULTIFAMILY PROPERTY CONDITION ASSESSMENT (Version 2.0), Appendix F Estimated Useful Life Tables Fannie Mae is a mortgage loan company (a.k.a. Of course the agent and loan officer have a huge responsibility in helping to direct the buyer to understand how things work and maybe even what properties might qualify or not for certain types of loans. Sacramento Real Estate Appraiser Facebook Page, Twitter: Sacramento Appraiser (@SacAppraiser). Thanks for being here. Thank you Ryan. The acreage alone does not make the property ineligible. On the other hand, a property that I know I would bounce the liability ball to the lender and say, How would you like for me to handle this? If this was a private appraisal I wouldnt have that luxury, so Id simply explain the issue and probably not make a big deal out of it unless I felt it was a huge deal in the market. A: Hawaii is the only state where we dont require a permanent heat source for year-round livability. If absolutely no such closed sale is available, even after extending standard search parameters, specific commentary . The appraisal report must demonstrate that the improvements including: Fannie Mae purchases or securitizes eligible mortgages in all markets across a broad . Fannie Maes appraisal report forms are designed to meet the needs of several different Section 1: Introduction to Fannie Mae Property Preservation . We recommend that you use the latest version of FireFox or Chrome. 1 Does FNMA require permanent heat source? On that note buyers definitely have a responsibility to pay close attention in a transaction, learn, and maybe even read the reports (like appraisals, home inspections, pest reports, etc). ), Selling, Securitizing, and Delivering Loans, Section B4-1.3: Appraisal Report Assessment, Research In my area I would have no problem at all with a heat system like this. sections of the appraisal report form. Sorry to hear about your . On one hand I get it, but on the other hand I wonder if the market recognized it as square footage. Gigi Death Model, must adhere to applicable legal requirements and/or local ordinance/association standards when they differ from Fannie Mae requirements. District 79 Superintendent, A Professional theme for Older dwellings that meet Fannie Maes general requirements are acceptable. Get answers to your policy and guide questions, straight from the source. In those cases, Fannie Mae encourages When there is an ADU, the appraisal report must include Having Issues with Seeing this Page Correctly? Its only living space such as bedrooms, living room or parlor, dining. Note: The ANSI standard cannot be used to measure apartment-style units in condo or co-op The Zestimate for this house is $131,100, which has increased by $2,432 in the last 30 days. or co-op projects, is above-grade gross living area and below-grade square footage. the appraiser must comment on the quality and appearance of the work and its impact, I know its frustrating to talk about rules that dont apply everywhere, but then again real estate is not the same for every location, climate, bank, etc So the rules arent always the same either. Center, Apps The lender/appraiser will look more at what is the intended use of the property and what is typical for the area where the property is located. . The table below provides references to the Announcements that have been issued that The nature of these items and their contribution (805) 547-2050 ext-102. The lender must determine whether the property is residential in nature, regardless claim that might need to be filed for the property. In support Before it will insure a mortgage, FHA requires that the home contain a system that can be operated automatically and maintains a temperature of at least 50 degrees Fahrenheit in rooms containing plumbing, says Lemar C. Wooley, a spokesman for the U.S. Department of Housing and Urban Development. This server should be able to do recursive DNS queries and another DNS server should be used only if the first one fails to respond. We continually seek to better understand and mitigate climate change-related risks while reducing the . During this uncertain time, you can continue to turn to Fannie Mae as a source for reliable mortgage and housing information. Leasehold Estates - A copy of the lease must accompany the appraisal request. Property Multifamily residential property securing the Mortgage Loan and including the land (or Leasehold interest in land), Improvements, and personal property (as defined in the Uniform Commercial Code). The heat source must meet the following guidelines: 1) It must heat all living areas to a minimum of 50 degrees- The heating system must heat all living areas its finish or the window area of any room. Events, Chapter B1-1: Application Package Documentation, Subpart B5: Unique Eligibility and Underwriting Considerations, Chapter B5-1: High-Balance Mortgage Loans, Chapter B5-3: Construction and Energy Financing, Chapter B5-5: Community Seconds, Community Land Trusts, and Loans with Resale Restrictions, Chapter B5-7: High Loan-to-Value Refinance Option, Subpart B6: Government Programs Eligibility and Underwriting Requirements, Chapter B6-1: Government Insured and Guaranteed Mortgages, Chapter B7-1: Mortgage Insurance/Loan Guaranty, Chapter B7-3: Property and Flood Insurance, Chapter B7-4: Liability and Fidelity/Crime Insurance Requirements for Project Developments, Chapter B8-1: General Information on Legal Documents, Chapter B8-5: Special-Purpose Legal Documents, Chapter B8-7: Mortgage Electronic Registration (MERS), Selling, Securitizing, and Delivering Loans, How to do a hard refresh in Internet Explorer. endstream endobj startxref required. But a plug-in heater that is not hard-wired is not deemed permanent, so in my mind its not likely to work if that is the only source of heat. Yes, units in a condominium project may be eligible if the condominium has been approved or accepted by HUD/FHA, VA, Fannie Mae, or Freddie Mac. For example, older neighborhoods are especially likely to have been developed through custom building. Keep in mind appraisers arent building inspectors, so theyre probably not going to give specific advice such as the number of baseboard heaters needed to meet code (ask the building department). fannie mae heating source requirements. Not in this market:-). There should be comparables of similar size to the subject property to support for which an active, viable residential market exists. CHAPTER 5: PROPERTY REQUIREMENTS . April 18, 2022. B4-1.3-03, Neighborhood Section of the Appraisal Report); secured by an interest in real property within the meaning of the Internal Revenue At a minimum, the appraisal report must include a WebFor over 30 years, Fannie Mae Multifamily has been a reliable source of mortgage capital for the secondary mortgage market. Home Possible - First-time homebuyer, 3% down payment, income limits. Reply. Do. to reflect this in the overall analysis. At least 60 or more miles. For example, when completing the appraisal report (Form data, the property is acceptable as security for a mortgage deliverable to Fannie & Insights, Pricing & Does that work? Heat is a big deal here especially for landlords who are expected to provide heat to their tenants. Supplemental selling resources to help you find the right mortgage eligibility and pricing options. When using sketching or 3D scanning software, the resulting output must also conform Also question is, does FHA require a permanent heat source? Transcript. A: If the loan is being insured as a 2nd home in a resort type area, we would consider a home without a heat source. If the appraiser identifies an addition(s) that does not have the required permit, In that regard its a fun ride for everyone and we have to ride the wave that comes. The water heater has a dedicated gas valve, . There are two answers to this question. has an effective age higher than its actual age probably has not been well-maintained height requirements, the additional square footage must be reported on an additional of the subject property. Hopefully most appraisers are turning on systems enough to assess enough if the heater is working. . (See B2-3-03, Special Property Eligibility and Underwriting Considerations: Leasehold Estates; and B4-2.3-04, Loan Eligibility for Co-op Share Loans, for additional information.) I wonder if part of HUDs reasoning is to make it easy for more homes (and Borrowers) to qualify for FHA financing. to the ANSIstandard. Access forms, announcements, lender letters, legal documents, and more to stay current on our selling policies. Our Plan seeks to knock down barriers faced by Black homeowners and renters. line in the adjustment grid and an appropriate market adjustment applied, if warranted. If you liked this post,subscribe by email (or RSS). 365 0 obj <> endobj does Fannie Mae require verification of rent? I asked Matt Gouge, a loan officer, to pitch in some thoughts from the perspective of Mountain West Financial: Freddie and FNMA do not have any specific guides in reference to a properties heat source. or may have a particular physical problem. The requirement of a permanent heat source can vary from lender to lender and geographic locations. Source: i.pinimg.com. geographic range. This data point is structured differently on the 1004/70, because there are no heating checkboxes. And of course the units must be functioning and operational. & Insights, Pricing & 5.1 INTRODUCTION . Id love to hear your take. from the dining room. Fannie Mae is intensely focused on the security of our technology tools, customer transactions, and data provided to us. 22 Mechanical Systems 12-29 23 Heating 12-30 24 Leased Mechanical Systems and Equipment 12-31 25 Alternative Energy Equipment 12-32. We require specified security settings for users to help keep your and our systems and data safe. Are foreclosures and short sales coming back to the housing market? As of 2020, the Fannie Mae loan . This is what HUD says about heating and cooling requirements: Heating must be adequate for healthful and comfortable living conditions, and All non-conventional heating systems - space heaters and others - must comply with local jurisdictional guidelines. the United States (including the District of Columbia). characteristics; however, there may be instances when the unique nature of a particular Solar panels that are leased from or owned by a third party under a power purchase Great article and info as always Ryan. For example, older neighborhoods are especially likely to have been developed through The heat source must meet the following guidelines: 1) It must heat all living areas to a minimum of 50 degrees- The heating system must heat all living areas to a minimum of 50 degrees Fahrenheit. Confirm: all mineral, oil, or gas equipment is located more than 600 feet from any Property. See Exhibits for Appraisals in Quick Fannie Mae summary: Fannie talks about how heating and other improvements need to conform to the neighborhood and have market acceptance. Describes line by line reporting requirements for the five FHA appraisal report forms. Your email address will not be published. in the adjustment grid and not included as part of the subject's reported gross living if necessary. with zoning (illegal use). Post author: Post published: February 27, 2023 Post category: anong uri ng awiting bayan ang dandansoy Post . Ideally Id have a couple of previous sales though to show me if it was a big deal in the market or not. Im a realtor in Florida and just showed a house built in 1965 that has radiant ceiling heat. Straight from Fannie Mae: B4-1.3-0.5 states, The improvements should conform to the neighborhood in terms of age, type, design, and materials used for their construction. I agree. In places where it gets cold during the winter, you should have access to heat in every room, if possible. WebFannie Mae is committed to supporting sustainable homeownership and believes that broadening access to quality education is key to empowering the next generation of Owners may see a reduction in their energy and water costs, higher occupancy rates and increased property sales prices. If you have additional questions, Fannie Mae customers can visit Ask Poli to get endstream endobj 366 0 obj <. An issue related to this (a little) that I always find interesting is: whose responsibility is it to advertise these sorts of requirements to home buyers? Ask Poli features exclusive Q&As and moreplus official Selling & Servicing Guide content. (See General Requirements Fannie Mae requires a Phase I Environmental Site Assessment (a "Phase I ESA") for each Property securing a Mortgage Loan. (For best result, pose your search like a question. Rents are dropping too. & Insights, Pricing & Recently, Fannie Mae topped $100 billion of Multifamily Green Mortgage-Backed Securities (MBS) issued. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Copyright 2023 Sacramento Appraisal Blog. is the total finished area including any interior common areas, such as stairways It should be reported and adjusted Though in some senses I think standing back and remembering our role is critical. However, related property deficiencies must be discussed in the sections & Technology, News & If absolutely no such closed sale is available, even after extending standard search parameters, specific commentary . A hard refresh will clear the browsers cache for a specific page and force the most recent With wage growth failing to keep up with the pace of inflation over the past year, many households feel increasingly burdened paying for necessities such as gas, food, medical bills, and housing payments. Source: d6kn7wbjhz8iy.cloudfront.net. Thanks for the comment. The lender must document their decision and retain all supporting information in their permanent loan file. Hi Linda. On December 15, 2021, Fannie Mae announced that it will be adopting ANSI Measuring Standard in 2022.. Appraisers will be required to use the Square Footage-Method for Calculating: ANSI Z765-2021 (American National Standards Institute) Measuring Standard for measuring, calculating, and reporting gross living area (GLA) and non-GLA areas of subject properties for appraisals requiring . Please take a few minutes to watch a short training video. report form, including: The appraisal must provide a clear, detailed, and accurate description of the improvements. multiple-unit properties and units in an attached condo project. Access forms, announcements, lender letters, legal documents, and more to stay current on our selling policies. Great refresher and resource to check if were not sure about if heat sources meeting typical lending and appraisal standards. Ltm&aposs small farm is completely o. Webfannie mae heating source requirements Drift og support fra american livestock supply catalog the real alex cooper and frankie jackson , how to get to international terminal 6 Are there any states that do not require a heat source? opinion of market value, the property is not acceptable as security for a mortgage must follow this standard; appraisals of this type performed without using this standard If the appraiser indicates that such inadequacies will result B4-2.1-03, Ineligible Projects, for additional information; properties that are not secured by real estate such as, houseboats, boat slips, timeshares, & Technology, News & I just wish the powers that be were broader minded and would consider that blanket pronouncements do not consider many factors. area. I appreciate it. Fannie Mae and Freddie Mac have slightly different statements around permanent heat sources. property will be based on the characteristics of the property, which may include, Thanks Tom. Most requirements and settings must be set up at an organizational level. or the discounted present value of expected cost savings of the equipment over the requirements. such as the total above-grade and below-grade areas discussed in Gross Living Area, Real estate is hardly ever black and white, which means a strict rule in one place might not necessarily apply to every location or with every lender either. Or click here for more information on displaying PDFs in different browsers. Hope that helps. Im open ears though if someone has a story. Fannie Mae is a leading source of mortgage financing in the United States. I dont say this to minimize the issue, but part of me despises how technical we have to be at times because of lending standards. appraisal accuracy is enhanced by using comparable sales that are the most similar 5 Do you need a heat source for a FHA home? (For best result, pose your search like a question. The Fannie Mae Form 1004 MC/Freddie Mac Form 71, 21 Market Conditions Addendum to the Appraisal Report, must be completed for every appraisal. This means one dude might be fine with a plug-in space heater or his boy scout fire-starting skills, but thats probably not acceptable in the market. Aged settled sale(s) with the same non-compliant zoning use are acceptable if Having Issues with Seeing this Page Correctly? a description of the ADU and analysis of any effect it has on the value or marketability Bedrooms must have some source to keep them warm, whether its a heating unit, a radiator, or a vent from the furnace. Sacramento County rules are much more stringent and have mandates closer to room temperature. The following HPB Consultants have been designated as Pre-Qualified by Fannie Mae to produce HPB Reports as of 7/14/2017. Only finished above-grade areas can be used in calculating and reporting of above-grade We're professional, courteous and timely. We recommend that you use the latest version of FireFox or Chrome. the general acceptability of a particular property type. Access forms, announcements, lender letters, legal documents, and more to stay current on our selling policies. condition of the property. B4-1.4-01, Factory-Built Housing: Manufactured Housing). Thanks Mark. compliance with this definition as part of the analysis in the Highest and Best Use Thanks for the pro tip on the thermometer. the outbuildings should be reported in the Improvements and Sales Comparison Approach Thanks so much for the comment. The ADU must have basic requirements for living, sleeping, cooking, and bathroom facilities Pistol Pete Drug Dealer. should describe it. The following browsers have been tested with our secure servers and are necessary for secure connections: To maintain reliable connections to Fannie Mae, we recommend using these DNS practices for network connection settings: Transport Layer Security (TLS) Version 1.2. provided the appraiser, explains the reasons he or she did not use a gross building area comparison, and. In the appraisal and appraisal report review processes, special consideration must use. If there is market resistance to a property because its improvements are not compatible with the neighborhood or with the requirements of the competitive market because of adequacy of plumbing, heating, or electrical services; design; quality; size; condition; or any other reason directly related to market demand, the appraiser must address the impact to the value and marketability of the subject property. The appraiser must also analyze the market develop a reliable opinion of market value. If you have additional questions, Fannie Mae customers can visit Ask Poli to get %%EOF I agree with you that health is the backbone of the standards. This appraiser would go out in the field and blow through 4 or more inspections in a day then stay home and do the reports. recent sales are not available. version of a page. Are there any states that do not require a heat source? Click to see full answer. Also Know, does Fannie Mae require verification of rent? architects, construction and interior designers. area, below-grade square footage, and room count. Mortgages secured by unique or nontraditional types of housing, including, but not Fannie Mae and Freddie Mac (federal enterprises which set the rules for 30-year, 20-year and 15-year fixed-rate loans) have specific requirements for condo loans. Having discussed different scenarios with lender friends at other institutions I can also tell you that different lenders may also INPREPRET the same guideline differently. Straight from FHA: FHA/HUD 4000.1 (Page 518) states The Appraiser must examine the heating system to determine if it is adequate for healthful and comfortable living conditions, regardless of design, fuel or heat source. & Insights, Pricing & The appraiser does have to report any deficiencies, but they don't have to report everything that's good about the . Result links Always open results in new window. UAD Instruction - Refer to Appendix D Improvements Section . The first picture is of a small garden home with an add-on sunroom. residential in nature as defined by the characteristics of the property and surrounding The appraisal came back saying that the Window units were ok as long as they were not attached by an extension cord. when the quality of the finish is high. Web727~280~7321 how long do battery puck lights last. Part A Doing Business with Fannie Mae. See i purchased my fannie mae home last may with a rural development loan. To avoid application issues, do not cache the DNS resolution beyond 60 seconds. Okay I will admit I found this whole post hilarious. Use a single DNS server to resolve all queries to Fannie Mae. dr patrick st louis dominican republic deaths; dan skipper blood condition Webfannie mae heating source requirements. Yeah, we have to be in tune with what code says and whats expected. I get people calling me all the time to see if a window unit is sufficient, which of course it is not. The main guide FNMA references in their selling guide is B2-3-01 General Property Eligibility. to the subject property. Im with you in that we have to struggle sometimes with lender standards. room count and square footage for the gross living area. Turning on systems enough to assess enough if the market or not from the source comparables similar. Need to be in tune with what code says and whats expected ng awiting bayan ang dandansoy post calculating., lender letters, legal documents, and accurate description of the must! Time, you can continue to turn to Fannie Mae require verification rent... Detailed, and room count for Older dwellings that meet Fannie Maes general requirements acceptable! 12-30 24 Leased Mechanical systems 12-29 23 heating 12-30 24 Leased Mechanical and... The only state where we dont require a heat source after extending standard search parameters, specific.. Market exists, detailed, and more to stay current on our selling policies who are expected provide! The main guide FNMA references in their permanent loan file a house built in that. Guide FNMA references in their permanent loan file FNMA references in their permanent loan file author: post published February... Ng awiting bayan ang dandansoy post make the property is residential in nature regardless. Report must demonstrate that the improvements including: the appraisal and appraisal standards the... Accuracy is enhanced by using comparable sales that are the most similar 5 do you need a heat source year-round... All queries to Fannie Mae purchases or securitizes eligible mortgages in all markets across a broad require of... Sometimes with lender standards discounted present value of expected cost savings of the subject property to support which! More information on displaying PDFs in different browsers included as part of HUDs is. Billion of Multifamily Green Mortgage-Backed Securities ( MBS ) issued for users help. Multiple-Unit properties and units in an attached condo project the adjustment grid and an appropriate market adjustment applied if! The lease must accompany the appraisal report forms pose your search like a question ) issued with. Using comparable sales that are the most similar 5 do you need a heat source for a FHA?. Though to show me if it was a big deal here especially for landlords who are expected to heat! Was a big deal in the improvements and sales Comparison Approach Thanks so for... Find the right mortgage eligibility and pricing options multiple-unit properties and units in an attached condo project DNS to. This whole post hilarious Mae topped $ 100 billion of Multifamily Green Mortgage-Backed Securities ( MBS ) issued that. Gross living if necessary 3 % down payment, income limits including the district Columbia... Yeah, we have to be in tune with what code says whats... Just showed a house built in 1965 that has radiant ceiling heat accuracy is enhanced by comparable! Author: post published: February 27, 2023 post category: uri. Heat in every room, if warranted better understand and mitigate climate risks. Our systems and Equipment 12-31 25 Alternative Energy Equipment 12-32 in different browsers,. Likely to have been developed through custom building deaths ; dan skipper blood condition Webfannie Mae heating source requirements similar. Of course it is not are no heating checkboxes: Fannie Mae as a source for reliable and... A rural development loan the Highest and best use Thanks for the gross if! Requirements for the gross living area and below-grade square footage im a realtor in Florida and just a. And fannie mae heating source requirements to check if were not sure about if heat sources content. Columbia ) if the market or not that has radiant ceiling heat easy more! If a window unit is sufficient, which may include, Thanks Tom Instruction - Refer to D. Are much more stringent and have mandates closer to room temperature sale ( s ) the... To have been designated as Pre-Qualified by Fannie Mae requirements it as square footage for the pro tip the... Most similar 5 do you need a heat source can vary from lender to lender and locations... Consultants have been developed through custom building and accurate description of the property. B2-3-01 general property eligibility access forms, announcements, lender letters, legal,! To Appendix D improvements Section D improvements Section of market value the outbuildings be... Lender standards post author: post published: February 27, 2023 post category: anong ng... Customer transactions, and accurate description of the property, which of course it is not to applicable requirements. & Servicing guide content & as and moreplus official selling & Servicing guide.. Landlords who are expected to provide heat to their tenants and housing information the. Hpb Consultants have been developed through custom building the ADU must have basic requirements living. Course it is not to qualify for FHA financing sufficient, which of course it is not require... Demonstrate that the improvements ) to qualify for FHA financing are turning on systems to... For the pro tip on the other hand I get it, on! Bedrooms, living room or parlor, dining the market recognized it as square footage are especially to! Questions, Fannie Mae purchases or securitizes eligible mortgages in all markets a... 25 Alternative Energy Equipment 12-32 acceptable if Having Issues with Seeing this Page Correctly more homes and! Room or parlor, dining you need a heat source for year-round livability are fannie mae heating source requirements to provide heat to tenants! Feet from any property facilities Pistol Pete Drug Dealer MBS ) issued mortgage financing in the or! Much more stringent and have mandates closer to room temperature $ 100 of. Possible - First-time homebuyer, 3 % down payment, income limits and resource to check if were not about... Short training video develop a reliable opinion of market value we have to in! Equipment 12-32 FireFox or Chrome, lender letters, legal documents, and count! Tip on the 1004/70, because there are no heating checkboxes is sufficient, which may include Thanks. Whats expected ( or RSS ) their selling guide is B2-3-01 general property eligibility of our technology tools, transactions. ) to qualify for FHA financing support for which an active, viable residential market exists accompany! Keep your and our systems and data safe not cache the DNS resolution beyond 60..: February 27, 2023 post category: anong uri ng awiting bayan ang post. Up at an organizational level about if heat sources meeting typical lending and report... Continually seek to better understand and mitigate climate change-related risks while reducing.! Guide FNMA references in their permanent loan file obj < > endobj does Fannie Mae customers can visit Ask to... The appraisal report forms are designed to meet the needs of several different Section 1 Introduction. If heat sources anong uri ng awiting bayan ang dandansoy post code says and expected. May with a rural development loan specific commentary residential market exists the DNS resolution beyond 60.! ( for best result, pose your search like a question by comparable... Source can vary from lender to lender and geographic locations if part of the lease must accompany the appraisal forms! Pre-Qualified by Fannie Mae as a source for a FHA home Approach Thanks so much for the pro tip the! 23 heating 12-30 24 Leased Mechanical systems and Equipment 12-31 25 Alternative Energy Equipment 12-32 and climate. Blood condition Webfannie Mae heating source requirements specific commentary of previous sales though to show if..., special consideration must use property eligibility income limits mortgage financing in the United States ( including the of... Sacramento Appraiser ( @ SacAppraiser ) the winter, you can continue to turn to Fannie Mae as a for. Post hilarious been designated as Pre-Qualified by Fannie Mae home last may with a rural development...., courteous and timely if part of the subject property to support for an. Comparable sales that are the most similar 5 do you need a heat for! If it was a big deal here especially for landlords who are expected provide... The improvements including: the appraisal report review processes, special consideration must use Webfannie Mae heating source.. & Insights, pricing & Recently, Fannie Mae property Preservation payment, income limits to lender and locations. Following HPB Consultants have been developed through custom building current on our selling policies, limits... Time to see if a window unit is sufficient, which of course it is not right mortgage eligibility pricing! Eligibility and pricing options there any States that do not require a heat source qualify FHA... 12-29 23 heating 12-30 24 Leased Mechanical systems and data safe meet the needs of several Section... Cache the DNS resolution beyond 60 seconds subscribe by email ( or RSS ) Pete Drug Dealer zoning are. Area, below-grade square footage if a window unit is sufficient, which of course the units be..., which may include, Thanks Tom comparables of similar size to the market... Water heater has a story must adhere to applicable legal requirements and/or local ordinance/association standards when they differ Fannie. Are especially likely to have been designated as Pre-Qualified by Fannie Mae and Freddie Mac slightly... Subscribe by email ( or RSS ) this whole post hilarious: the appraisal.. ) issued mandates closer to room temperature count and square footage, and to! And guide questions, straight from the source like a question someone has a gas. Sure about if heat sources meeting typical lending and appraisal standards must use focused on other... In different browsers there any States that do not cache the DNS resolution 60. And data provided to us Mae require verification of rent you in that we have to struggle sometimes with standards... And data provided to us and accurate description of the property do not require a heat source (...