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Electric Baseboard

Electric baseboard in Michigan? Am I nuts?

I run a WM Ultra 155 in my primary residence, but am buying a cottage for summer only, which has neither heat nor insulation. Two mortgage brokers have told me that I cannot get a 30 year loan on a place without central heat. So I need to add a "system" that will never be used. What a joke. They could care less about the absence of insulation.

The criteria the appraiser will use is that it must be a central heating system, meaning it needs heat in each of the two bedrooms, bathroom, kitchen and living room. Therefore, a wall heater won't work. Did I mention that the house has no propane, natural gas or oil hookup? Electric seems to be the way to go. Obviously I have no intention of installing an hydronic system for this place, which would probably cost more than the entire cottage is worth. The land is what represents the value.

Since I know I will not actually use heat there, my primary concern is low installation cost. Are eletric baseboard heaters the way to go here, or is there a better way?

Any ideas or suggestions?

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