The answer will depend on several things as far as the number of bedrooms and baths you have now and the exact neighborhood you are in. Most likely the answer will still be no do not put in the bathroom because you will not make it back when you sell. Right now price is king when it comes to selling in Fauquier County. I just sold a home on the DC side of Warrenton with a similar question but they where going to finish the basement. Instead we just lowered the price and we got it sold. Please let me know if I can be of any assistance.

How many other bathrooms are in the home? Is the basement already plumbed for a bath? Do the other homes in the area have a basement bath? There are a lot of reasons to say YES but if you are getting ready to put your home on the market soon answering some of the other questions will let you know if you will be able to recoup the cost of the new bathroom. The Warrenton area is considered "rural" anymore!

It depends on how much work you would have to do. If the plumbing is already close and accessible, it would be worth it...but keep it very simple..just a half bath...this could make a difference for city folk wanting to move out of the busy city.

Borrowing money would be risky at this stage of the game.

If the hole for the toilet is already there, you could install that part yourself...or to reduce your costs, you buy the materials, and just pay to install.

Linda
I don't know your market, so check with a local Realtor.
In principle, it depends on what other homes, similar to yours (comparables), are like.
If your home only has one bath, then definitely a second bath is essential.
If most homes that have basements have baths, then, if you could afford it, I would.

A Realtor should be able to provide you with a Comparative Market Analysis, help you determine the likely sales price of your home, and your approximately net profit.

Good luck!
Keith