Joining a Cloud Brokerage as a New Realtor 🏡☁️ | What to Consider Before You Decide

In this Q&A session, Raman shares an honest and practical perspective on what new REALTORS® should think about before joining a cloud brokerage. Here's what you'll learn in this video:

🤝 Mentorship Matters — As a new agent, you'll likely need more hands-on support. Joining a cloud brokerage where your mentor is in another city can be challenging.

🏡 Experience Counts — Learning from someone who has closed many deals can accelerate your growth — but joining someone who's still new themselves may limit your learning.

📊 Recruiting Pressure — Many cloud brokerages have an MLM-style recruiting model, which can distract from building your actual business.

🧠 Due Diligence — Talk to multiple brokerages, ask about their training and marketing plans, and evaluate who can offer real guidance and support.

☁️ Bottom Line: A cloud brokerage isn't automatically good or bad — it depends on your situation, your support system, and the team you choose to work with.

👉 Learn more or enroll at www.albertarealestateschool.com

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💻: www.albertarealestateschool.com

📞: 587-936-7779

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Do You Need an ESA Every Time for a Rural Property? 🌾🏡 | Environmental Site Assessment Explained In this short Q&A session, Raman answers a common financing question: 👉 Do lenders require an Environmental Site Assessment (ESA) every time for a rural property? Here's what you'll learn: 🏡 ESA Requirements Depend on the Lender — Not every transaction requires a brand-new ESA. 📅 Age of the Report Matters — Lenders may accept a recent ESA (e.g., done within 2 years), but older reports (e.g., 10 years) usually aren't accepted. 🌿 Why It's Important — Rural properties may have environmental risks (like contamination or soil concerns), and lenders need up-to-date information before approving financing. Understanding when an ESA is required helps agents and buyers plan ahead for smooth financing and avoid last-minute surprises. 👉 Learn more or enroll at www.albertarealestateschool.com 📲 Subscribe for more Alberta real estate Q&As, tutorials, and exam prep content! Start your career in Real Estate today! Our courses equip you with the skills needed to pass your licensing exam in Alberta. Link in the comments. 💯 We train tomorrow's top Real Estate Agents and Mortgage Associates in Alberta! 🔥 💻: www.albertarealestateschool.com 📞: 587-936-7779 #AlbertaRealEstate #ESA #RuralProperty #EnvironmentalSiteAssessment #RealEstateTraining #AlbertaRealtor #RECAReady #RamanAtwal #AlbertaRealEstateSchool #FutureRealtorsOfAlberta #RealEstateQandA #RealEstateCanada #PropertyFinancing #LendingRequirements #RealEstateEducation

Getting to the Bottom of Mortgage Insurance in Canada 🏡 | CMHC, High-Ratio Mortgages & First-Time Buyers

In this Q&A session, Raman breaks down one of the most misunderstood topics in Canadian real estate — mortgage default insurance (a.k.a. CMHC insurance). Here's what you'll learn in this video:

🏦 When Mortgage Insurance Is Required — Anytime a buyer puts less than 20% down, lenders require default insurance.

🧾 Why It Exists — Protects lenders if the buyer defaults on their loan, ensuring they're not left with a loss if the market drops.

👩‍💼 Even with 20% Down — Lenders may still require insurance in certain situations (e.g., self-employed buyers, seasonal income, higher risk profiles).

🏡 First-Time Buyers vs. Subsequent Purchases — First-time buyers can put as little as 5% down, but subsequent purchases typically require 10%.

⚠️ Insurance doesn't guarantee loan approval — the buyer must still meet lender qualification criteria. Understanding default insurance helps both buyers and real estate professionals set clear expectations and guide financing conversations confidently.

👉 Learn more or enroll at www.albertarealestateschool.com

📲 Subscribe for more Alberta real estate Q&As, tutorials, and exam prep content.

Start your career in Real Estate today!

Our courses equip you with the skills needed to pass your licensing exam in Alberta. Link in the comments.

💯 We train tomorrow's top Real Estate Agents and Mortgage Associates in Alberta! 🔥

💻: www.albertarealestateschool.com

📞: 587-936-7779

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Does Renting a Room Make Your Property a Rental Property in Alberta? 🏡

💬 In this Q&A clip, Raman explains an important legal distinction in Alberta real estate — whether renting out a room in your home makes it a rental property. Here's what you'll learn in this session:

🏠 Owner-Occupied Rentals: • If you live in the property and rent out a room, it's not typically considered a full rental property. • You remain on-site, managing and maintaining the home directly.

🏢 Non-Owner-Occupied Rentals: • If you're renting out multiple rooms and do not live on the property, it's classified as a rental property, with different rules and responsibilities. Understanding this difference is crucial for homeowners, investors, and future real estate professionals to stay compliant with Alberta's regulations and landlord obligations.

👉 Learn more or enroll at www.albertarealestateschool.com

📲 Subscribe for more Alberta real estate Q&As, tutorials, and exam prep tips!

Start your career in Real Estate today! Our courses equip you with the skills needed to pass your licensing exam in Alberta.

Link in the comments.

💯 We train tomorrow's top Real Estate Agents and Mortgage Associates in Alberta! 🔥

💻: www.albertarealestateschool.com

📞: 587-936-7779

#AlbertaRealEstate #RentalProperty #RoomRental #RealEstateTraining #RealEstateEducation #AlbertaRealtor #RECAReady #RamanAtwal #FutureRealtorsOfAlberta #AlbertaRealEstateSchool #RealEstateQandA #RealEstateCanada #LandlordTips #RealEstateLaw #PropertyManagement #InvestingInRealEstate

Why We Pull the Title and Historical Title in Alberta Real Estate 🏡 | Must-Know for REALTORS®

In this Q&A clip, Raman explains why real estate professionals in Alberta should pull both the current title and the historical title when working with a property. Here's what you'll learn in this session:

📄 Current Title Search — Confirms the legal owner, outstanding liens, mortgages, encumbrances, property tax issues, and other registered interests.

🏠 Historical Title Search — Reveals past issues that may no longer be listed on the current title, such as:

• Previous drug house notices or grow-op history

• Flooding or DRP grant history

• Remediation or environmental concerns

• Ownership changes and timelines By reviewing both, agents can protect their buyers, ensure accurate contract information, and flag potential issues before conditions are removed.

👉 Want to learn more about how to read and interpret land titles in Alberta?

📚 Enroll at www.albertarealestateschool.com

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Start your career in Real Estate today! Our courses equip you with the skills needed to pass your licensing exam in Alberta. Link in the comments.

💯 We train tomorrow's top Real Estate Agents and Mortgage Associates in Alberta! 🔥

💻: www.albertarealestateschool.com

📞: 587-936-7779

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Is a Mobile Home a Condominium in Alberta? 🏡 | Key Differences Explained

In this short Q&A clip, Raman explains why a mobile home is not considered a condominium under Alberta real estate law — and how ownership works differently. Here's what you'll learn in this session:

🏠 A mobile home park is typically owned by an investor or single owner.

📍 Each site is leased to the mobile home owner — meaning they own the home but not the land.

📝 The entire park sits on one land title, unlike condominiums which are divided into multiple individually owned units.

🚚 Because mobile homes can be moved and the land is leased, this setup does not fall under the Condominium Property Act. Understanding this distinction is essential for real estate students and agents, especially when advising clients on ownership rights, financing, and resale considerations.

👉 Learn more or enroll at www.albertarealestateschool.com 📲

Subscribe for more Alberta real estate Q&As, tutorials, and exam prep tips!

Start your career in Real Estate today! Our courses equip you with the skills needed to pass your licensing exam in Alberta. Link in the comments.

💯 We train tomorrow's top Real Estate Agents and Mortgage Associates in Alberta! 🔥

💻: www.albertarealestateschool.com

📞: 587-936-7779

#AlbertaRealEstate #MobileHomes #CondoVsMobileHome #RealEstateTraining #RealEstateEducation #AlbertaRealtor #RECAReady #RamanAtwal #RealEstateQandA #FutureRealtorsOfAlberta #AlbertaRealEstateSchool #RealEstateCanada #LandLease #ManufacturedHomes #RealEstateTips

Condo Classifications in Alberta | Conventional, Bare-Land, Bare-Land Built-Out & Barely Blended 🏢🏡

In this Q&A session, Raman breaks down the four main types of condo classifications in Alberta real estate and how they work in practice. Here's what you'll learn in this clip:

🏢 Conventional Condos — Unit boundaries defined by walls, floors, and ceilings.

🌿 Bare-Land Condos — Ownership of land parcels, often used in recreational developments.

🏡 Bare-Land Built-Out — A hybrid of land ownership and detached single-family homes with condo corporation-managed common areas.

🏗️ Barely Blended — Large developments that combine bare-land and conventional condos, often developed in multiple phases.

This is an important concept for real estate students, agents, and investors to understand — especially when advising clients on RPR requirements, common property responsibilities, and bylaw implications.

👉 Learn more or enroll at www.albertarealestateschool.com

📲 Subscribe for more Alberta real estate exam prep and practical tips!

Start your career in Real Estate today! Our courses equip you with the skills needed to pass your licensing exam in Alberta. Link in the comments.

💯 We train tomorrow's top Real Estate Agents and Mortgage Associates in Alberta! 🔥

💻: www.albertarealestateschool.com

📞: 587-936-7779

#AlbertaRealEstate #RealEstateSchool #CondoClassifications #ConventionalCondo #BareLandCondo #BareLandBuiltOut #BarelyBlended #RealEstateTraining #AlbertaRealtor #RECAReady #RamanAtwal #AlbertaRealEstateSchool #FutureRealtorsOfAlberta #RealEstateQandA #RealEstateCanada #CondoOwnership

Low Co-operating Commission in Real Estate | How to Handle It as a Buyer's Agent 💼🏡

In this Q&A clip, Raman breaks down a very real scenario many REALTORS® face in Alberta — when the co-operating commission offered by the seller is lower than the fee agreed to with the buyer. Here's what you'll learn in this session:

💰 What happens when the seller is paying less than your agreed-upon fee.

🤝 How to have a professional fee conversation with your buyer.

🚫 Why you're not obligated to work for a lower commission.

📝 Options to address the gap — buyer top-up, moving on to another property, or writing it into the offer. This is an important topic for new agents to understand — knowing your value, setting clear expectations with your clients, and protecting your professional fees is key to building a sustainable business.

👉 Subscribe for more practical real estate Q&As, tips, and exam prep content.

👉 Learn more or enroll at www.albertarealestateschool.com Start your career in Real Estate today! Our courses equip you with the skills needed to pass your licensing exam in Alberta. Link in the comments. 💯 We train tomorrow's top Real Estate Agents and Mortgage Associates in Alberta! 🔥 💻: www.albertarealestateschool.com 📞: 587-936-7779

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Transferring the Land Title in Alberta | Costs, Taxes & Legal Steps Explained 🏡

In this Q&A excerpt, Raman explains what happens when you transfer the land title of a property in Alberta — whether it's between family members, partners, or other ownership changes. Here's what's covered in this quick session:

💰 Capital Gains Consideration — If the property value has increased since purchase, you may need to pay capital gains tax on 50% of that profit.

🏦 Mortgage Perspective — If there's a mortgage, you'll need to re-qualify or deal with possible penalties.

📜 Legal Process — If there's no mortgage, the title transfer is straightforward. A lawyer typically handles the paperwork, and the transfer fee is around $200. T

his is an important topic for future licensees and property owners to understand. Real estate professionals should be able to guide their clients through the financial and legal implications of title transfers confidently.

👉 Learn more or enroll at www.albertarealestateschool.com

👉 Subscribe for more Alberta real estate Q&As, tips, and exam prep content.

Start your career in Real Estate today! Our courses equip you with the skills needed to pass your licensing exam in Alberta. Link in the comments.

💯 We train tomorrow's top Real Estate Agents and Mortgage Associates in Alberta! 🔥

💻: www.albertarealestateschool.com

📞: 587-936-7779

#AlbertaRealEstate #LandTitleTransfer #RealEstateLaw #RealEstateSchool #CapitalGains #RealEstateEducation #AlbertaRealtor #RealEstateTransactions #RECAReady #FutureRealtorsOfAlberta #RamanAtwal #AlbertaRealEstateSchool #RealEstateCanada #MortgageTips #PropertyOwnership