Environmental

When a Kansas commercial bank is considering making a loan on a property with potential contamination, it should require at minimum a:

AKDHE compliance certificate
BPhase I Environmental Site Assessment to identify environmental risks before lending✓ Correct
CPhase II assessment with soil sampling always
DVoluntary cleanup certificate from KDHE

Explanation

Most commercial lenders require a Phase I ESA as a minimum environmental due diligence step before lending, helping identify environmental risks that could affect the property's value as collateral.

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