Environmental
Polychlorinated biphenyls (PCBs) are a concern in Kentucky properties because they were commonly used in:
AFoundation materials before 1978
BElectrical transformers and equipment, particularly in older industrial buildings✓ Correct
CInsulation installed before 1990
DRoofing materials in commercial buildings
Explanation
PCBs were widely used in electrical transformers, capacitors, and other equipment before their ban in 1979. They can contaminate soil and groundwater near industrial sites and old electrical equipment.
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Key Terms to Know
Debt-to-Income Ratio (DTI)
A lender's measure of a borrower's monthly debt obligations relative to their gross monthly income, used to evaluate loan eligibility.
Comparable Sales (Comps)Recently sold properties similar in size, condition, and location used by appraisers and agents to estimate a property's market value.
ZoningLocal government regulations that control land use by dividing areas into zones specifying permitted uses, building sizes, and densities.
VarianceOfficial permission to use land in a way that does not conform to the applicable zoning ordinance, granted by a zoning board when strict enforcement would cause undue hardship.
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