The home inspector may or may not be correct. There are lugs and breakers that are listed and approved for more than a single conductor. If the wire was rated for...
GenoMember since 10/02/02
Depending on your location in NY the electrical work may have to be performed by a licensed electrician. License's in NY are by locality city or county.
One bathroom one circuit for outlet and lighting. Outlet must still meet distance requirements from the basin.