Refinance requires permanent heat source - Help!

[Henry D Griffith]

Greetings - I'm in the middle of refinancing my primary residence. The home has a wood fireplace in the basement, and electric radiant heat upstairs. However my appraiser listed the home as needing a "Primary heat source in the basement, as the fireplace alone devalues the property." So now I have to do some work for this refinance. 

First I'm aggravated by this, as the basement (although partially finished) has no bedrooms anyway. My mortgage lender is telling me to simply install electric baseboard heat, and that will suffice as long as they're wall mounted and not portable. But I have a few questions....

1. Will a wall mounted 110v unit pass (One that plugs into a wall outlet and not hard wired- but is still wall mounted, and not portable)

2. Do I need one in every room of the basement, or just the living spaces? ( I have an unfinished utility room, as well as an office with no egress windows, so it's not actually a living space) 

3. Here is a link for what I was going to go with. Im not concerned about the cost of usage, as Im honestly never going to use them. I simply want to get this refinance completed asap.  I prefer my fireplace and get free lumber anyway. 

https://www.amazon.com/Heat-Storm-HS-1500-PHX-WIFI-Infrared-Heater/dp/B07JXRWJ8D/ref=sr_1_23?dchild=1&keywords=120v%2Bplug%2Bin%2Bbaseboard%2Bheater&qid=1586794398&sr=8-23&th=1

Any advise would be very helpful. Thanks!