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Articles about Environmental Issues


Commercial | May 2006 
Phase Is: Reading Between the Lines
A Phase I environmental site assessment identifies and evaluates the environmental features and conditions of interest or concern on a property. It is an unavoidable part of the due-diligence proces...
By Michael Bernstein, technical manager, Property Solutions Inc.

Commercial | May 2006 
Asbestos: No Disappearing Act
If you’re a commercial broker working on a deal that involves facilities built before 1980, there’s a good chance asbestos-containing materials are present. Historically, asbestos wa...
By Kevin Langwell, senior vice president, Terracon

Commercial | May 2006 
Streamlining Due Diligence
Consulting firms and lenders are looking to streamline the due-diligence process for generating and delivering Environmental Site Assessments (ESAs), Property Condition Assessments (PCAs) and other ...
By Jack Huntress, vice president of residential services, Environmental Data Resources

Commercial | February 2006 
Risk Business
When your clients purchase a property, they risk acquiring the liability for environmental hazards caused by previous owners. Regardless of whether the previous owner was responsible, the current ow...
By Doreen Spinoso, managing consultant, EBI Consulting

Commercial | January 2006 
A Wise Strategy
Recognizing that environmental contamination can pose a credit risk, more lenders are integrating formal environmental policies into their core credit-risk-management processes. These policies outli...
By Derek Ezovski, president and CEO, Outsourced Risk Management Solutions (ORMS) LLC

Commercial | December 2007 
Risk in the Spotlight
The credit crunch across real estate markets has increased borrowing costs and tightened underwriting standards in the commercial mortgage industry. Banks are reportedly raising the cost of financin...
By Derek Ezovski, president and CEO, Outsourced Risk Management Solutions (ORMS) LLC

Commercial | August 2007 
Get More Green(backs)
Commercial mortgage brokers and lenders are in a unique position today. We’re no longer just engineering solutions and facilitating financing opportunities; we’re also acting as catalysts for positi...
By Richard Zahm, director, Covendium

Commercial | July 2007 
Vapor Intrusion: Assessing the Situation
Vapor intrusion is an indoor-air-quality issue that develops when rapidly evaporating, volatile chemicals from polluted soil and groundwater affect the air in buildings. For more information on v...
By Derek Ezovski, president and CEO, Outsourced Risk Management Solutions (ORMS) LLC

Commercial | May 2007 
Risk-Management: A Combination Approach
Real estate lending institutions, fiduciaries and capital-market players are rethinking the ways they approach environmental risk management. This is because of 2006’s Environmental Protection Agenc...
By Mark H. Fackler, president, AZLAND Business Solutions LLC

Commercial | April 2007 
Inspect Your Properties Thoroughly
Favorable risk and return ratios make commercial real estate an attractive option for many investors. When something goes wrong with a property, however, there can be disastrous consequences for eve...
By Derek Ezovski, president and CEO, Outsourced Risk Management Solutions (ORMS) LLC

Commercial | February 2007 
Keeping Your Lender Covered
Would it be wise for a lender to hand its borrowers a blank page and ask them to draft all the terms and conditions of the loan agreement? Do lenders compete in the marketplace by doubling the closi...
By David R. Young, Esq., environmental account executive, IMA of Colorado Inc. Environmental Practice

Commercial | December 2008 
What Clients Should Know About Asbestos
Litigation related to asbestos use in buildings has been a great economic hardship, with analysts estimating its accumulated cost at $250 billion. Companies from nearly all industries have been sued...
By Anne B. Schmidt, partner, Hepler, Broom, MacDonald, Hebrank, True & Noce LLC

Commercial | November 2008 
Why Due Diligence is Necessary
Today's lenders are scrutinizing every aspect of a deal to make sure it is a good one. Environmental due diligence on commercial real estate deals is more important than ever. Brokers wh...
By Derek Ezovski, president and CEO, Outsourced Risk Management Solutions (ORMS) LLC

Commercial | October 2008 
New Due Diligence Needed for SBA Loans
The U.S. Small Business Administration’s (SBA) Standard Operating Procedure No. 50-10(5), governing 504 and 7(a) loans, took effect on Aug. 1. One of the most-significant changes is the SBA’s more p...
By Joe Derhake, president, Partner Engineering and Science

Residential | October 2008 
It’s Getting Easier to Be Green
Higher energy prices are changing many homebuyer habits. Mortgage brokers should take note of these developing trends, including the resurrection of the energy-efficient mortgage (EEM). ...
By Paul W. Birkeland, founder and president, Integrated Renewable Energy


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