commercial lender question

[Rich Hupper]

I have two properties, one a commercial building for auto repair, the other is a mixed use building, commercial retail on the bottom floor and 2 residential units above ( this building is currently out of service needs full reno). Both properties mortgage free

I approached a bank for a line of credit on the auto repair building and a construction loan for the mixed use building. 

The bank told me their desktop underwriting flagged my mixed use building as a hazardous space but not the auto repair building. So now the bank is requiring me to do a 21e on the mixed use building but not the auto repair building. 

This is beyond me because I would think the auto repair business is more of an issue environmentally. However they are telling me because there was a dry cleaner business at the mixed use building in the past there could be soil contamination. 

With that, I am considering not getting the construction loan and putting the building back in service with private money. Then approaching perm loan lenders after completion. Will perm loan lenders look for a 21e?