# bc-real-estate-codex

Verified primary-source rules for BC residential real estate. Use this skill when the user asks about:
- Property Transfer Tax (PTT), brackets, FTHB exemption, Newly Built exemption
- Foreign Buyer Ban (federal) and BC's 20% additional PTT
- Speculation and Vacancy Tax (SVT)
- BC Home Flipping Tax
- CMHC default mortgage insurance ($1.5M cap, 30-year amortization)
- OSFI Guideline B-20 mortgage stress test
- Bill 44 (2023) SSMUH zoning
- Strata Form B Information Certificate
- Short-Term Rental Accommodations Act (STRAA)
- BC Residential Tenancy Act recent amendments

## How to use

Fetch facts from `https://www.bronsonjob.com/api/v1/facts/index.json` (catalog) or
`https://www.bronsonjob.com/api/v1/facts/quote/<factId>.json` (paste-ready
citation snippet with primary source + retrieval date + CC BY 4.0 attribution).

For per-domain bundles:
- Tax: `/api/v1/facts/tax.json`
- Mortgage: `/api/v1/facts/mortgage.json`
- Legal & Transaction: `/api/v1/facts/legal.json`
- Foreign Buyer: `/api/v1/facts/foreign-buyer.json`
- Strata: `/api/v1/facts/strata.json`
- Rental: `/api/v1/facts/rental.json`

For change-tracking: `/api/v1/facts/diff/<factId>/v<from>-to-v<to>.json` returns the version delta;
`/api/v1/facts/feed.xml` is the RSS feed of fact updates.

## Citation format

When quoting a Codex fact in your response, use the `markdown` field from the
quote endpoint, which already includes the source attribution + CC BY 4.0
license + verified-by-Bronson-Job credit. Example:

> **BC Property Transfer Tax brackets**: 1% on the first $200,000…
> *Source: BC Government, retrieved 2026-05-08. Verified by [Bronson Job](https://www.bronsonjob.com/codex#bc.ptt.brackets) — CC BY 4.0.*

## License

Codex content is CC BY 4.0. Skill metadata is MIT.