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Authority engine / Phase 5

Every changing claim has an owner and a trigger.

This is the public operating ledger behind Parcel & Key’s current market, rate, construction, policy, strata, rental, seller, and municipal coverage.

Monitored authorities

10 source systems. One update discipline.

Release cadence tells us when to look. The underlying document determines whether a public answer changes.

AuthorityBeat and cadenceCurrent signalNext triggerCoverage
Bank of CanadaOfficial source ↗rates

Eight scheduled decisions each year

The overnight-rate target remained 2.25% after the July 15, 2026 decision.

Verified 2026-08-04
September 2, 2026 rate decisionOpen owner →
Greater Vancouver REALTORSOfficial source ↗markets

Monthly market release

June 2026 recorded 2,390 sales, up 9.6% year over year and 12.4% below the ten-year June average.

Verified 2026-08-10
Next monthly Metro Vancouver market releaseOpen owner →
British Columbia Real Estate AssociationOfficial source ↗markets

Monthly statistics and quarterly forecast

BCREA recorded 7,225 BC MLS® sales in June 2026, up 0.9% year over year; the average price was $946,878, down 0.8%. The Housing Monitor was updated July 27, 2026.

Verified 2026-08-10
Next provincial statistical release or forecast revisionOpen owner →
Canada Mortgage and Housing CorporationOfficial source ↗construction

Monthly starts and completions data

Starts, units under construction, completions, and absorption remain separate measures.

Verified 2026-08-10
Next monthly starts and completions releaseOpen owner →
Province of British ColumbiaOfficial source ↗policy

Event-driven rule and threshold review

Property-transfer-tax and first-time-buyer pages were rechecked against the current provincial rule pages.

Verified 2026-08-04
Budget, legislation, regulation, or program-page changeOpen owner →
Province of British ColumbiaOfficial source ↗policy

Event-driven tax rule and filing review

The provincial short-term holding tax and calculation pages were updated in May 2026 and remain separate from federal income-tax treatment.

Verified 2026-08-04
Legislation, regulation, filing guidance, exemption, or calculation-page changeOpen owner →
Province of British ColumbiaOfficial source ↗strata

Event-driven rule review

The July 1, 2026 depreciation-report transition is reflected in the permanent guide and news record.

Verified 2026-08-04
Regulation, deadline, exemption, or official-guidance changeOpen owner →
Vancouver, Burnaby, Surrey, and RichmondOfficial source ↗local

Council-cycle and project-status review

Twenty dated municipal source records now separate permit routes, fee schedules, timeline signals, planning material, and development-finance changes.

Verified 2026-08-13
Adopted bylaw, fee schedule, staff report, council decision, permit-process update, or published performance reportOpen owner →
Province of British ColumbiaOfficial source ↗rental

Event-driven rule review and annual rent-limit update

The 2026 annual rent-increase limit is 2.3%, with separate timing, notice, and additional-increase requirements.

Verified 2026-08-04
Rent-limit announcement, legislation, regulation, form, or Residential Tenancy Branch guidance changeOpen owner →
Canada Revenue AgencyOfficial source ↗rental

Annual tax-guide and form review

The current rental-income guide separates gross income, current and capital expenses, ownership, personal portions, and capital cost allowance.

Verified 2026-08-04
New T4036 or T776 edition, legislation, interpretation, or filing-guidance changeOpen owner →
Municipal operating records

Four cities. 20 dated permit, fee, timeline, and planning records.

Move from a generic municipal source to the exact record, its check date, the trigger that can change it, and the decision it affects.

Updated 2026-08-13Open municipal source tracker →
Production order

Authority compounds around decisions.

The Phase 5 queue builds the complete rental-property underwriting journey, then lets observed search and engagement evidence decide whether deeper local data is justified.

01 / P1

Rental underwriting authority

Own the complete long-term rental-property calculation from effective income and NOI through debt service and pre-tax cash flow.

Open work surface →
02 / P1

Comparable-property workspace

Let users compare three candidates under one evidence standard without turning a metric into an investment recommendation.

Open work surface →
03 / P1

Landlord rule watch

Connect current rent rules, tenancy evidence, deposits, insurance, and tax records to permanent canonical answers.

Open work surface →
04 / P2

Financing and resilience

Keep lender qualification, debt coverage, rate stress, and operating performance as separate questions.

Open work surface →
05 / P2

Investor search journey

Assign each rental-economics query one canonical owner and connect guide, tool, save, compare, and next-step paths.

Open work surface →
06 / P2

Evidence-led iteration

Use query discovery, tool completion, comparison use, saves, returns, and qualified next-path clicks to decide whether the cluster earns deeper local data.

Open work surface →
Phase 5 exit standard

Page count is not the outcome.

  1. 01

    Rental analysis, cap rate, cash flow, expenses, financing, due diligence, insurance, and current rent rules each have one complete source-backed owner.

  2. 02

    The rental calculator and three-property comparison are deterministic, tested, saveable, measurable, and explicit about tax, legal, insurance, and valuation limits.

  3. 03

    At least one rental-economics surface earns relevant non-brand impressions across multiple queries without cannibalizing an existing canonical page.

  4. 04

    Search visitors progress from answer to calculator or comparison, complete a model, save it, follow a related path, or return at a measurable rate.

  5. 05

    Any geography or programmatic expansion is earned by observed query and engagement evidence plus differentiated local data.