CA RE Broker study plan

Build a disclosure matrix mapping each required disclosure (transfer disclosure statement, natural hazard disclosure, lead-based paint, Megan's Law notice, smoke/CO detector, water heater bracing, environmental and flood hazards) to its trigger, timing, and delivering party.

Diagram the seller-side and buyer-side questionnaire flow and identify which line items an agent must flag during a reasonably competent visual inspection.

Explain in writing when an 'as-is' sale still requires disclosure, and identify three fact patterns where 'as-is' does not shield the seller or agent.

List the disciplinary and civil consequences of a missed or late disclosure.

Apply disclosure rules to five written fact patterns and state, for each, who discloses what and when.

Differentiate the required agency disclosure timing from the required transfer disclosure timing in a transaction timeline.

Sequence a full residential transaction from listing to close, labeling every point where a disclosure or statutory notice is due.

Identify the licensing-law violations embedded in three short broker-conduct scenarios.

Outline the licensing and regulatory framework: licensing tiers, renewal and continuing education, advertising rules, and unlicensed-assistance limits.

Distinguish fair housing protected classes and prohibited practices, and apply them to four advertising or showing scenarios.

Classify common statutory violations (commingling, undisclosed dual agency, unlicensed activity, misleading advertising) by the rule broken and typical penalty.

Summarize subdivision and out-of-state land sale disclosure requirements in your own words.

Map the agency relationships (seller's agent, buyer's agent, dual agent, designated agent) to the duties owed by each.

Break down a residential purchase agreement clause by clause: contingencies, financing terms, closing costs, remedies, and cancellation rights.

Distinguish the standard forms and timelines used in a typical transaction and identify which are negotiable versus statutory.

Explain how title is held, conveyed, and recorded, including vesting options and the effect of liens and encumbrances.

Resolve four contract-dispute scenarios by identifying the breach, the available remedy, and the governing clause.

Trace the loan origination process from pre-approval through closing and note where each required disclosure falls.

Compare fixed-rate, adjustable-rate, FHA, VA, and conventional financing in a written comparison table.

Compute monthly payment, LTV, and loan-to-value-driven PMI thresholds in five worked problems.

Interpret key economic concepts - supply and demand, absorption, appreciation, leverage, and tax treatment - and apply them to market scenarios.

Complete a pro forma or simple investment analysis including gross rent multiplier, cap rate, and cash-on-cash return.

Identify the primary and secondary mortgage market participants and explain the role of each in the lending chain.

Explain the disclosure and consumer-protection requirements that attach to residential mortgage lending.

Define the broker's duties in handling escrow, trust funds, and client property, and differentiate commingling from conversion.

Design a compliant trust-fund recordkeeping process, including the trust journal, ledger, and reconciliation cycle.

Identify the broker's supervisory obligations over salespersons and the required retention of records.

Analyze three escrow-disbursement dispute scenarios and state the compliant resolution for each.

Consolidate all error logs into a ranked list of weak sub-topics and re-study the top five.

Complete two full-length timed practice exams under test conditions.

Re-teach each missed item aloud or in writing in one sentence, verified against source material.

Finalize a one-page formula and disclosure cheat sheet for last-minute review.