Financial Reporting

See exactly where every dollar went.

A guide to owner reporting and trust accounting Whistler · Squamish · Pemberton
Backed by RE/MAX Sea to Sky · 9 min read
An owner statement should answer three questions in five minutes: what came in, what went out, and what needs my attention. Anything less is administrative theatre.

Most owners only think about financial reporting when something feels wrong. The rent didn't land on the expected day. An expense looks unfamiliar. The year-end summary doesn't reconcile with the monthly statements. So rather than describe our reporting in the abstract, here is the actual shape of what you receive every month, followed by what each part means and the regulated framework that sits behind it.

Start Here

Your monthly statement, at a glance

This is the spine of what lands in your inbox and your owner portal each month. The numbers are illustrative; the structure is real.

Monthly Owner Statement
123 Sample Road, Squamish · For the month ending April 30
Income Amount
Rent received · April 1 $2,850.00
Total income $2,850.00
Expenses Amount
Strata fees · April $345.00
Plumbing repair · kitchen tap (invoice attached) $215.00
Furnace annual service $189.00
Total expenses $749.00
Management Fees Amount
Monthly management fee (illustrative) $285.00
Total fees $285.00
Net disbursement to owner · May 3 $1,816.00

The live statement carries more than this snapshot shows: supporting invoices for each expense, a prior balance carried forward, year-to-date totals, and any notes on items needing your attention. The point of the layout is that you can read it top to bottom and know where every dollar went without making a phone call.

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Line by Line

What each part of the statement means

Property and period

The property address, the reporting period, and the owner of record, stated plainly at the top. It should be unambiguous which property and which month the statement covers.

Income received

Rent collected during the period, with the date received. Late fees, partial payments, or other income items are listed separately and labelled. Anything expected but not yet received is noted as outstanding rather than quietly omitted.

Expenses paid

Every expense charged against the property, with the date, vendor, description, and amount, and the supporting invoice attached in the portal. Expenses are categorized so you can see at a glance where the money went: maintenance, repairs, utilities, strata fees, management fee, leasing fee if applicable.

Management fees and charges

The management fee for the period, calculated as specified in your agreement. Any other fees authorized under the agreement are itemized separately, never buried under a vague "miscellaneous" line.

Net disbursement

The amount paid out to you for the period, with the transfer date. This is the number most owners read first, and it should follow transparently from the income, expenses, and fees above it.

The Five-Minute Test

A good statement ends with a short list of items needing your attention: an upcoming lease renewal, a repair above the standing authorization, a strata letter to respond to. A statement that ends with "nothing requires your attention" is doing its job, not padding.

Always On

What lives in your owner portal

The monthly statement is a static snapshot, published to your portal as a document each month. Alongside it, the portal gives you a live reference layer you can open any time, from any device. Here is what that includes, and these are features of the platform we actually run, not a wish list.

Monthly statements
Each month's statement published to a documents library in the portal, kept as a permanent historical record you can pull up any time. Static PDF
Live transaction ledger
Every transaction on your property, posted as it happens, viewable by date. The most detailed view of money in and money out, updating in real time rather than waiting for month-end. Real time
Reports
A set of dynamic reports separate from the static statements, including income and expense and a standard income statement, that refresh to current data each time you open them. Real time
Document storage
Lease agreements, condition inspection reports, invoices, and receipts stored in the portal and retrievable when you need them.
Work order visibility
Maintenance items recorded with the issue, the vendor, the work performed, and the cost, with the ability to approve or reject work orders that need your sign-off.
Messaging
A communication channel straight to your point of contact, with an email notification when we reply and a record of the exchange kept in the portal.
Balances and fees
Visibility into reserves held, current balances, and management fees charged, so you can see where funds stand at any moment.
Year-end summary
An annual income-and-expense report you can export and hand to your accountant, categorized to make tax preparation straightforward. Exportable

The distinction matters: the monthly statement is the static record of a closed period, and the ledger and reports are the live layer you can check between statements. Together they remove the "I have no idea what's happening with my property" experience that owners often have under less rigorous management.

The Framework

How your money is held under BC law

The reason this reporting can be trusted is that the money behind it is held under a regulated framework, not an honour system. The Real Estate Services Act and the Real Estate Services Rules govern how a licensed brokerage handles client funds in BC.

Trust accounts at BC savings institutions

Under Section 26 of the Real Estate Services Act, a brokerage must maintain one or more interest-bearing trust accounts at savings institutions in British Columbia, designated as trust accounts in both the brokerage's records and the institution's records. Your rent is never deposited into the brokerage's operating account. It goes into a regulated trust account, held on your behalf until it is disbursed to you or paid out for legitimate property expenses.

Separation by principal

The Rules require a separate trust ledger for each principal, meaning each owner whose property is managed. Your funds are tracked individually, so a statement showing exactly what is held on your behalf can be produced at any time.

Monthly reconciliation

Trust accounts must be reconciled to the savings institution's records every month, with the reconciliation documented. This is a Rules-mandated requirement, not a discretionary best practice, and the managing broker is accountable for it.

Interest on trust funds

Under Section 29 of the Real Estate Services Act, interest earned on pooled trust accounts is paid to the Real Estate Foundation of British Columbia, which funds public real estate education and research. This is set by legislation. The exception is security and pet damage deposits held under the Residential Tenancy Act, where interest accrues to the tenant at the rate set by regulation.

Annual oversight

Brokerages must produce annual financial statements and an accountant's report covering their trust accounts. BCFSA can review brokerage accounts and records at any time. The system is built so that misconduct, when it occurs, is detected through this oversight.

Before You Choose

What to ask any property manager about reporting

If you're comparing managers, these questions cut through the marketing and tell you what your actual monthly experience will be.

Scope

What we don't do

A Note on Scope Property management in British Columbia is regulated by the BC Financial Services Authority (BCFSA) under the Real Estate Services Act. As a licensed rental property manager with RE/MAX Sea to Sky Real Estate, Marc Duhalde's services are limited to those defined under that legislation, including trust accounting requirements set out in the Real Estate Services Rules. This article provides general information about property management financial reporting in BC. It is not legal, tax, or accounting advice. Specific questions about your situation require advice from qualified professionals. RE/MAX® and the RE/MAX logo are registered trademarks of RE/MAX, LLC and are used under licence.
Common questions

Financial reporting, answered.

How often do I receive statements?

Owners receive a clear statement each month showing rent collected, any expenses, and the net amount paid out, plus a year-end summary.

Can I see my property's finances online?

Yes. Owner portal access lets you view statements and records for your property whenever you want them, rather than waiting for an email.

How does trust accounting work?

Rental funds are handled through the brokerage trust account under BCFSA rules, kept separate from operating funds, with clean records on every transaction.

Will you provide what I need for taxes?

Your monthly statements and year-end summary give your accountant the income and expense records they need. We are not tax advisors, so specific tax questions go to your accountant, but the records are organized and ready.

What expenses appear on my statement?

Anything paid on the property's behalf, such as approved maintenance, is itemized with supporting detail, so the numbers explain themselves.

For Sea-to-Sky Property Owners

Request a sample owner statement.

A no-obligation sample statement showing exactly what your monthly reporting would look like under our management. Useful whether you're evaluating property managers, considering a switch, or just want to see what good financial reporting actually contains.

Request a sample