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ACT exam adverse possession agent amount annual appraisal borrower broker's commission building buyer capitalization rate charged clause convey correct answer cost court debt depreciation earnest money easement economic obsolescence eminent domain encumbrances example exclusive-right-to-sell listing Fair Housing Law Federal Fair Housing fee simple fiduciary finance FNMA following statements correctly foreclosure functional obsolescence grantor gross income gross rent multiplier income approach interest rate joint tenancy land Laws of Agency lease lender licensed lien listing agreement listing broker listing contract market value market-data approach monthly mortgage loan mortgagor neighborhood open listing option owner ownership parcel parties payment percent percentage period personal property physical deterioration possession principal questions real estate broker real estate taxes real property Realty Regulation rent rental response sales contract salesperson seller specific tenant terminated transaction transfer trust valid warranty deed zoning