Why candidates lose math marks
Almost nobody fails Georgia exam math because they cannot multiply. They fail because they pick the wrong setup. A stem gives a sale price and a loan amount, and the transfer tax applies to one while the intangible recording tax applies to the other. Get that choice wrong and the arithmetic is irrelevant.
The three Georgia-specific setups that do the most damage:
- Transfer tax follows the sale price, at $1 for the first $1,000 or fraction, then $0.10 per additional $100 or fraction.
- Intangible recording tax follows the loan amount, not the price.
- Property tax applies millage to 40% of fair market value, never to the full value.
Full worked formulas are on the math formulas page, and the calculators let you check a number without doing it by hand.
What this drill covers
| Skill group | Included setups | Errors diagnosed |
|---|---|---|
| Transaction math | Seller net, buyer funds, proration, debits, credits | Wrong direction, double-counted deposits, wrong time basis |
| Financing math | LTV, DTI, PITI, points, equity | Ratio reversal, mixed periods, wrong percentage base |
| Income and valuation | NOI, cap rate, GRM, percentage change | Gross versus net, monthly versus annual, wrong original base |
| Land and units | Area, acreage, government-survey fractions, conversions | Wrong unit, missed fraction, decimal placement |
| Georgia calculations | Transfer tax, intangible tax, assessed value, millage | Wrong taxable base, skipped assessment ratio, statutory round-up |
How to turn each miss into mastery
- Write the target, base, period, direction, units, and formula before selecting an answer.
- Open the explanation and compare your setup with every worked step.
- Record the revealed error tag, such as wrong base, mixed periods, or ratio reversal.
- Use the linked complete lesson to repair that exact setup.
- Repeat the mixed drill later. Mastery means recognizing the formula without a topic label.
Source: PSI Georgia Candidate Information Bulletin, July 1, 2026.