Every deal, step by step. No step left to memory.

Coverage check — SkySlope · JoHome · BCFSA · Nu Stream

This playbook was cross-checked against three sources plus our brokerage. Anything found missing was added and is flagged ADDED below — and attached to the step named.

1 · SkySlope transaction-file checklist (Nu Stream files)

Every Required item on the brokerage file checklist now maps to a step with the form attached: DORT — presented before trading services, signature optional / decline noted (Buyer 7 · Seller 6) · Privacy Notice & Consent, BCREA Form #585 — team standard (Buyer 7 · Seller 6) · final CPS / contract (Buyer 20, 23 · Seller 23) · addenda & amendments (Buyer 22, 28 · Seller 22) · subject removal (Buyer 29 · Seller 25) · deposit bank draft + deposit slip (Buyer 30 · Seller 24) · Disclosure of Remuneration, Rules s.56 — only when remuneration comes from someone other than the client (Buyer 20–21, 31 · Seller 11) · Disclosure to Sellers of Expected Remuneration, Rules s.57 — to the seller at offer / counter-offer presentation, exact dollars, before acceptance (Seller 21, 26) · FINTRAC information records + FINTRAC Receipt of Funds (Buyer 19, 30 · Seller 28) · Transaction Record Sheet with buyer and seller addresses — required where the brokerage holds or receives money in relation to the trade (Buyer 32 · Seller 28) · SkySlope checklist at 100% (Buyer 32 · Seller 28).

• ADDED Signed Property Disclosure Statement (PDS) — was not named as an attachment. Now attached at Buyer 18 & 27 (order / review) and Seller 8 & 11 (signed PDS into the listing file).
• ADDED Schedule A — initialled — the agent-name line referenced Schedule A but no step checked it was initialled. Now a checklist item at Buyer 20 and Seller 11.
• ADDED Commission Breakdown — now attached at Buyer 32 & 37 and Seller 28 & 33, and cross-checked against the Nu Stream Excel file.
• ADDED MLS feature sheet — now attached at Seller 12–13 (listing live) and filed at Buyer 23 / Seller 23.
• ADDED Registration letter (If Applicable — e.g. presale) — now attached at Buyer 23 and Seller 23, filed when the deal has one.
• ADDED If Applicable: Referral form (Buyer 36–37 · Seller 32–33) · Rebate form (Buyer 32, 37 · Seller 28, 33) · Staging agreement / checklist (Seller 11–12, before photos) — none were in the playbook before; all three are now attached where they belong.

2 · JoHome guidance & materials library (team library — 164 documents)

• Trading forms category → attached across the contract steps (Buyer 20–23 · Seller 11, 21–25). When a form is needed, check JoHome's trading-forms category for the team's current version before drafting in WebForms.
• CPS clauses category → attached at Buyer 20 (offer drafting) and Seller 22 (counters) — clause wording comes from JoHome's clause library, never from memory.
• FINTRAC category → attached at Buyer 19 and the deposit / Receipt of Funds steps (Buyer 30 · Seller 28).
• Referral / rebate category → attached at the closing steps above — same forms as the SkySlope If Applicable items.
• Rental category → rental deals are not part of these two trading journeys; JoHome's rental forms are the source for rental files, alongside the bchomehub rental upload in the Hub. Named here so the category is not lost.
• JoHome platform guide → added as a Resource Hub card below, so new members learn the library from the guide, not by guessing folders.

3 · BCFSA requirements (BC Financial Services Authority)

• DORT timing — Real Estate Services Rules s.54 (corrected) — the Disclosure of Representation in Trading Services must be presented before providing any trading services, not only before “substantive advice.” Narrow exceptions exist (e.g. hosting an advertised open house, answering general factual questions). The consumer’s initials / signature are optional: if the consumer declines to sign, the licensee notes that the form was provided and keeps a copy. Now a hard 🔒 GATE at Buyer 7 and Seller 6, and a verify-before-you-provide-services gate on every step after it (needs, budget, CMA / pricing, shortlist, offer advice, showings).
• Privacy Notice and Consent — labelled accurately (corrected) — this is BCREA Form #585, an industry form supporting BC PIPA compliance — not a mandatory BCFSA form. It stays in this playbook as a required team step at the start of the relationship (best practice), labelled as a BCREA form / team standard wherever it appears.
• ADDED Disclosure of Risks to Unrepresented Parties — was missing entirely. Now gated at Buyer 20–21 (seller unrepresented — e.g. FSBO / direct purchase) and Seller 21 (buyer unrepresented): give the disclosure and get it signed before presenting or negotiating, and never advise the unrepresented party.
• Remuneration — TWO different forms, now separated (corrected) — (a) Disclosure of Remuneration (Rules s.56): only when the licensee receives or anticipates remuneration from someone other than their client; made promptly, before an agreement for the acquisition / disposition is entered into (Buyer 20–21, 31 · Seller 11). (b) Disclosure to Sellers of Expected Remuneration (Rules s.57): presented to the seller on the mandatory form when presenting an offer or counter-offer, showing exact dollar amounts, before acceptance (Seller 21 · filing check Seller 26). The two forms are separate entries in the Library and attached at their own steps.
• Agency & loyalty duties — the DORT gate cards now state the duty in plain words: once we are providing trading services as the client’s agent we owe that client loyalty and must act in their interest only; we do not act for or advise the other side.
• FINTRAC (corrected) — an information record is required for every person / entity the brokerage acts for in a purchase / sale, with exceptions (e.g. public bodies, very large corporations / trusts); ID is verified in person (Buyer 19). A Receipt of Funds record is required when funds are received in any amount — except funds received from a financial entity or public body — timing now stated at Buyer 30 and Seller 24 / 28.
• Strata documentation + Form B (corrected) — Buyer 27 keeps the document-by-document count (Form B, minutes, financials, budget, insurance, PDS, depreciation report if any); no subject removal on an incomplete count. Form B nuance: a purchaser may request the Form B directly (Strata Property Act s.59; the strata must provide it within 7 days; max fee $35 + $0.25/page). Seller authorization is the usual practice route, not a legal prerequisite — Buyer 18 is worded that way.
• File retention — at least 7 years (added) — the brokerage must retain written service agreements, all offers and counter-offers (including unaccepted ones), accounting statements, notices of rescission, referral-fee records, and trust / financial records for at least 7 years. Retention notes are now on the closing steps (Buyer 36–37 · Seller 32–33), and the Transaction Record Sheet is noted as required where the brokerage holds or receives money in relation to the trade.
• ADDED Advertising & identity — every promotion must carry the licensee's name as licensed and Nu Stream Realty Inc. Now a check at Seller 14 and Seller 20 (and the rule in Team Rules below).

4 · Nu Stream Realty Inc. — brokerage requirement

• ADDED — NEW STEPS Nu Stream Excel deal file — new required final steps Buyer 37 and Seller 33. The Excel deal / transaction submission spreadsheet goes to the brokerage at the end of every transaction, and the file cannot be closed until it is submitted. Full contents are listed on those step cards.
• Commission Breakdown — written Nu Stream's way (on the Commission Breakdown card in the Library and on Steps Buyer 32 / 37 · Seller 28 / 33): the form shows 100% to the team; the referral row is generally zero / none (a fee only for a specific approved referral on that deal); Nu Stream's 10% is not shown on the form — it is handled off-form. The commission is received as a team, and the internal share with the member(s) on the deal follows that member's signed team agreement (team-agreements folder; own-client vs team-lead deals start at different percentages that grow per closed deal), written in the form's agent-split section.

5 · Team writing portals — built into this playbook

• ADDED BC Offer Portal — offer.investorsuccesshub.com — attached at Buyer 20, 21 & 22 and listed in the Resource Hub. Upload a Paragon feature sheet, set the terms, download the full editable offer pack (CPS, Schedule A, privacy consent, representation disclosure). The portal drafts the pack; the step's checks still apply — verify clauses, subjects, deposit and dates, and SAVE / reopen in WebForms before presenting.
• ADDED BC Listing Portal — bc-listing-portal.onrender.com — attached at Seller 11, 12 & 13 and listed in the Resource Hub. Upload a previous feature sheet, get the listing pack (MLC, MLSLink input, privacy, representation, remuneration). The portal prepares the pack; Seller Step 12's line-by-line MLS check still applies before anything goes live.