Approval packet · working draft
Indiana 90-Hour Timed Syllabus
This regulator-facing crosswalk follows the subject-hour allocation in 876 IAC 6-4-1. It maps the existing 38-chapter curriculum to the required categories and includes five timed supplemental modules for the previously identified coverage gaps.
84Instruction hours
6Proposed exam hours
90Total hours
Approval control: The six examination hours are a proposed maximum allowed by the rule, not a determination that the current online assessment delivery satisfies Indiana attendance or supervision requirements. Written Commission confirmation remains required.
876 IAC 6-4-1 allocation
Real estate basics and law
59 required hours
| Required subject | Hours | Curriculum map | Approval status | Coverage and action |
|---|---|---|---|---|
| Introduction to real estate law and course review | 1 | 37–38 | Mapped | Integrated national/Indiana review, authority hierarchy, exam method, and comprehensive assessment preparation. |
| Basic real estate concepts | 3 | 1, 7, 13 | Mapped | Real and personal property, rights in land, homeownership, markets, and foundational industry concepts. |
| Property ownership and interests | 4 | 1, 3, 5 | Mapped | Bundle of rights, estates, concurrent ownership, encumbrances, liens, private interests, and governmental powers. |
| Transfer of title and title records | 4 | 20–22 | Mapped | Title, deeds, voluntary and involuntary transfer, decedent property, public records, searches, and title insurance. |
| Land-use controls and property development | 2 | 4–6, 25 | Mapped | Zoning, planning, building controls, environmental issues, private restrictions, subdivisions, and development. |
| Real estate brokerage | 2 | 29, 31, 34, 36 | Mapped | Brokerage industry, managing brokers, affiliation, contractor status, compensation, antitrust, and communications compliance. |
| Law of agency | 2 | 14–16, 33 | Mapped | Creation, duties, compensation, termination, single and limited agency, disclosures, and Indiana requirements. |
| Real estate contracts | 12 | 17–19, 26, 33 | Mapped | Formation, consent, writing requirements, assignment, interpretation, discharge, remedies, listings, options, installment contracts, and management agreements. |
| Landlord and tenant | 2 | 26 | Mapped | Nonfreehold estates, leases, obligations, enforcement, remedies, and federal overlays. |
| Legal descriptions | 1 | 2 | Mapped | Metes and bounds, government survey, recorded plat, definitions, and land measurement. |
| Closing real estate transactions | 6 | 22–23, 30 | Mapped | Parties, inspections, surveys, title, insurance, documents, prorations, closing statements, funds, financing, and worked statements. |
| Federal income taxation of real estate | 1 | Chapter 30 + Supplemental Module 1 | Mapped | Dedicated 60-minute module covers basis, gain, improvements, selling expenses, residence-sale rules, rental-property issues, records, calculations, and broker scope. |
| Indiana license law and Commission rules | 10 | 14–16, 18, 23, 29, 31–36 | Mapped | Licensing, status, managing brokers, agency, standards, supervision, transfers, compensation, assistants, agreements, offers, closings, trust accounts, interests, referrals, pricing work, and education. |
| Fair housing law | 1 | 28, 36 | Mapped | Federal protected classes, sale and rental discrimination, exemptions, advertising, enforcement, and penalties. |
| Property insurance and home warranties | 1 | Chapters 23, 27 + Supplemental Module 2 | Mapped | Dedicated 60-minute module covers policy vocabulary, forms, limits, deductibles, loss settlement, lender interests, insurance referrals, and home-warranty distinctions. |
| Basic house construction and architecture | 3 | Chapters 24–25, 27 + Supplemental Module 3 | Mapped | Dedicated 180-minute module covers structure, enclosure, systems, architecture, construction methods, HUD manufactured-housing standards, energy, new construction, and broker scope. |
| Securities-law aspects of real estate | 1 | Supplemental Module 4 | Mapped | Dedicated 60-minute module covers investment contracts, federal securities-law purposes, REITs, crowdfunding, syndication signals, compensation risk, and stop-and-refer practice. |
| Inspections | 3 | 23–25 | Mapped | Buyer inspections, survey coordination, common property issues, termite and environmental concerns, red flags, documentation, and referral. |
876 IAC 6-4-1 allocation
Brokerage operation
7 required hours
| Required subject | Hours | Curriculum map | Approval status | Coverage and action |
|---|---|---|---|---|
| Brokerage operation | 3 | 29, 31, 34, 36 | Mapped | Managing-broker relationships, compensation, procuring cause, contractor status, minimum service, antitrust, and management. |
| Earnest money and trust accounts | 2 | 18, 23, 27, 35 | Mapped | Trust accounts, deposits, rents, security deposits, down payments, settlement, disbursement, and records. |
| Property management | 2 | 26–27 | Mapped | Agreements, responsibilities, rents, marketing, tenant selection, maintenance, federal law, risk, environmental issues, and compensation. |
876 IAC 6-4-1 allocation
Real estate finance
18 required hours
| Required subject | Hours | Curriculum map | Approval status | Coverage and action |
|---|---|---|---|---|
| Introduction to real estate finance | 1 | 10 | Mapped | Mortgages, deeds of trust, other instruments, finance history, financial markets, and Federal Reserve context. |
| Sources of mortgage funds | 1 | 11–12 | Mapped | Direct lenders, indirect sources and investors, conventional and government-backed programs. |
| Secondary mortgage market | 1 | 11 | Mapped | Secondary-market roles, investors, agencies, securitization context, and private mortgage insurance. |
| Financing instruments and loan products | 4 | 10–12 | Mapped | Notes, security instruments, loan provisions, financing options, borrower and lender rights, and purchase financing. |
| Real estate loan underwriting | 3 | 11–12, 30 | Mapped | Borrower, property, loan, and income-property analysis plus core ratios and qualification limits. |
| Consumer legislation affecting finance | 1 | 13 | Mapped | TILA, ECOA, RESPA, Dodd-Frank context, fair lending, and related consumer protections. |
| Property tax | 2 | 6, 30 | Mapped | Rates, calculations, taxable property, assessment, collection, liens, exemptions, records, and payment. |
| Valuation and USPAP introduction | 2 | 7–9 | Mapped | Indiana appraiser licensing, appraisal purpose and process, approaches, value influences, depreciation, CMA, and USPAP introduction. |
| Current and geographic real estate topics | 3 | Chapters 31–38 + Supplemental Module 5 | Mapped | Dated 180-minute module covers official authority tracking, current PLA operations, statewide practice changes, Indiana geography, local verification, fair-housing-safe communication, technology risk, and annual update controls. |
876 IAC 6-4-1 allocation
Required examinations
6 required hours
| Required subject | Hours | Curriculum map | Approval status | Coverage and action |
|---|---|---|---|---|
| Course examinations | 6 | Chapter assessments and Chapter 38 | Confirm with PLA | The rule permits required examinations to count for up to six hours. Final allocation, supervision, security, passing score, retakes, and online delivery require written Commission confirmation. |
Source and submission safeguards
Authority controls
- The subject allocation is based on 876 IAC 6-4-1 and must be rechecked against the official current rule immediately before submission.
- Breaks, orientation, technical support, optional study, and ordinary navigation are not represented as instructional hours.
- No licensing-examination questions may be possessed, claimed, revealed, or distributed by the school.
- The syllabus remains a working approval document until the Commission accepts the delivery method and course application.