Free Practice Questions for Real Estate Maryland-Real-Estate-Salesperson Exam

Lenders compute DTI ratios using the borrower’s gross (pre-tax) monthly income.

Housing DTI (front-end) = monthly housing costs ÷ gross monthly income.

Under the federal Fair Housing Act, “handicap” (disability) is a protected class. HIV/AIDS is considered a disability, and making statements or disclosures that identify or single out someone based on a protected characteristic is prohibited. Disclosing that an owner (or occupant) has HIV is treated as discriminatory, violates fair housing standards, and also breaches confidentiality. Maryland fair housing law mirrors and expands federal protections, and the pre-licensing course emphasizes that licensees must never disclose information tied to protected classes because it can facilitate or signal discriminatory treatment (e.g., steering, discouraging, or differential terms).