Environmental
Polychlorinated biphenyls (PCBs) found in older Maryland commercial buildings are a concern because they:
ACause radon gas emission
BAre toxic, probable human carcinogens used in electrical equipment and building materials before being banned✓ Correct
CAre only harmful if ingested in drinking water
DCan only be found in flooring materials
Explanation
PCBs are toxic industrial chemicals that were widely used in electrical transformers and building caulk before being banned. Their presence requires specialized cleanup and disclosure.
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Key Terms to Know
Adjustable-Rate Mortgage (ARM)
A mortgage with an interest rate that changes periodically based on a financial index, usually after an initial fixed-rate period.
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.
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.
State-Specific Concepts
Continuing Education
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