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NEW QUESTION # 98
The property manager of an apartment building would be in violation of the federal Fair Housing Act if they discriminated against a prospective tenant on the basis of:
Answer: A
Explanation:
The federal Fair Housing Act prohibits discrimination based on race, color, religion, sex, national origin, disability, and familial status. Familial status includes pregnant women and families with children under 18.
Age and military status are not federally protected classes under this law (though they may be under local ordinances). Marital status is not a protected class under federal law either. Therefore, the correct answer is B.
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NEW QUESTION # 99
What clause in a mortgage would permit the lender to call the outstanding balance due and payable if the borrower sells the property or otherwise transfers ownership of the property?
Answer: D
Explanation:
An Alienation Clause-also known as a due-on-sale clause-gives the lender the right to demand full repayment of the loan if the borrower transfers ownership or sells the property without the lender's consent.
This clause is standard in most modern mortgage agreements to protect the lender's interest.
Reference:
NCREC Real Estate Finance Section
Federal Reserve Glossary - Alienation Clause Definition
Broker National (Broker-N) Financing Chapter
NEW QUESTION # 100
A business may contact a former client for up to _______ after a transaction closes, even if that client is on the National Do Not Call Registry?
Answer: D
Explanation:
According to theNCREC Broker National (Broker-N)guidelines and the Federal Telephone Consumer Protection Act (TCPA), a real estate business may continue to contact a former client for up to18 monthsafter the conclusion of a transaction under the established business relationship exception, even if the client is on the National Do Not Call Registry. The NCREC's official materials affirm this 18-month contact window.
Reference:
NCREC Broker National (Broker-N) Compliance Guide, Section on Telemarketing and Client Communications Federal TCPA Rules, 47 C.F.R. § 64.1200(f)(5) NCREC Legal Update Bulletin, "Do Not Call and Client Relationships," 2023
NEW QUESTION # 101
A property manager receives a request from a prospective tenant to install grab bars in the showers and a handrail by the toilet to assist the tenant with their disability. According to the Fair Housing Act, what is the property manager required to do?
Answer: B
Explanation:
Under the Fair Housing Act, individuals with disabilities are permitted to make reasonable modifications to their rental unit at their own expense if the changes are necessary to afford them full enjoyment of the premises. The landlord or property manager must allow these modifications unless the property is government- subsidized housing, where the owner may be required to pay. Requiring medical proof or charging extra deposits beyond the cost of restoring the property (if applicable) is not allowed. Therefore, the correct answer is A.
NEW QUESTION # 102
Which is the correct formula for finding the value of a property using a capitalization rate?
Answer: C
Explanation:
In the income approach to real estate valuation, the formula used is:
Value = Net Operating Income (NOI) ÷ Capitalization Rate
This method estimates the value of an income-producing property based on its ability to generate income.
Using this formula, you divide the NOI by the cap rate to find the value. Gross income is not used without adjustments, and multiplication or inverting the formula is incorrect. Therefore, the correct answer is B.
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NEW QUESTION # 103
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