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Arthur Zhao · Real Estate Broker
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Understand multiple representation vs. designated representation under Ontario's TRESA: Phase 2 took effect December 1, 2023; how designated representation lets two agents at the same brokerage each fully represent their own client, the mandatory written disclosure, the RECO Information Guide requirement, and what it means for buyers and sellers. Sources: RECO, Ontario.
How Ontario realtors use a PREC to save tax: the 2020 TRESA opening, the 12.2% small-business rate, deferral mechanics, eligibility rules, real setup costs, and who it's worth it for.
What do FRI, ABR, SRS, PSA, MCNE, SRES, E-PRO, CRS and GUILD after an agent's name actually mean? A plain-English breakdown of granting bodies, required coursework, and client value. FRI is granted by the Real Estate Institute of Canada (REIC); ABR/SRS/PSA come from the NAR system; MCNE from the Real Estate Negotiation Institute.
Part-time or full-time real estate agent in Ontario? An honest, experience-driven comparison across income reality, responsiveness, market knowledge, and continuing education. According to RECO, every registered Ontario agent must complete 24 hours of continuing education per two-year cycle — full-time or not.
Under TRESA (Dec 2023), with no written Buyer Representation Agreement you're a self-represented party: no fiduciary duty, no advice. What a BRA protects.
A realtor's commission is not profit. Where an Ontario commission goes: brokerage split, RECO insurance, board dues, marketing, HST and self-employment tax.
Is part-time real estate realistic? An honest look at fixed costs, responsiveness, skill compounding, and the skewed income reality, from a GTA broker.
Why don't most real estate agents make money? The business reality: commission-only with no salary, income concentrated among top agents, fixed costs that hit regardless of sales, and why new agents leave in the first few years.
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