Arizona Real Estate Salesperson Cheat Sheet.
The night-before summary, built like the exam.

Lock in the exam's key numbers and lists: the OLD CAR fiduciary duties (Obedience, Loyalty, Disclosure, Confidentiality, Accounting, Reasonable care), the seven federal fair housing protected classes (race, color, religion, national origin, sex, familial status, and disability), and the core finance rules like one discount point equaling one percent of the loan amount and PMI generally applying below a 20 percent down payment. Also memorize the three listing types, the deed hierarchy from general warranty down to quitclaim, and the essential elements of a valid contract. These recur across many questions in different disguises.

Four formulas cover most math questions: commission equals sale price times rate (a 300,000 dollar sale at six percent is an 18,000 dollar commission), LTV equals loan amount divided by the lesser of appraised value or purchase price (240,000 on 300,000 is 80 percent), value equals net operating income divided by the cap rate, and gross rent multiplier equals sale price divided by monthly gross rent. For prorations, remember many exams use a 360-day banker's year with 30-day months, so daily amounts are the annual figure divided by 360. Practice each formula forward and backward, since questions often give you the answer and ask for an input.

Watch for questions that blur the client-versus-customer line: customers are owed only honesty, fair dealing, and disclosure of known material defects, not fiduciary duties. Listing-type questions love the exclusive-agency trap, where the broker earns nothing if the seller personally finds the buyer, unlike an exclusive right to sell. In fair housing, remember the Mrs. Murphy exemption never applies to race and disappears entirely once discriminatory advertising or a licensee is involved, and the Civil Rights Act of 1866 bars all racial discrimination with no exemptions at all.

Three practices are tested constantly and are easy to confuse: steering is channeling buyers toward or away from neighborhoods based on a protected class, blockbusting is inducing owners to sell by suggesting people of a protected class are moving in, and redlining is denying loans or insurance in certain areas based on protected characteristics. A quick memory hook: steering moves buyers, blockbusting scares sellers, redlining blocks lenders. Also remember that advertising a preference based on a protected class is illegal even when the underlying transaction would be exempt.

Use it as a final-pass review, not a first exposure: skim each section and quiz yourself out loud on the lists, like the deed types from general warranty (strongest protection, covering defects from any time) through special warranty (defects only during the grantor's ownership) to quitclaim (no warranties at all). Flag anything you hesitate on and reread just those items once more, then stop; a rested brain outperforms a crammed one. The cheat sheet complements full study rather than replacing it, so it works best after you have already put in your practice-question reps.