A data-driven review of Realty of America's 85/15 split, 60/40 entry period, $14K CAP, and $750 annual tech fee — based on ROA's own published FAQ documentation.
85/15
Split (after 3 deals)
60/40 (first 3)
Entry Period Split
$14,000
Annual CAP
None
Monthly Fee
Realty of America, LLC is a Texas-based real estate brokerage that markets itself as a high-split alternative to traditional franchise brokerages. The company operates across Texas and several other states, positioning its 85/15 split as a primary competitive advantage.
The headline 85/15 split is accurate — and notably, Realty of America charges no monthly fees, which sets it apart from competitors like eXp ($85/mo). However, the full fee structure includes a 60/40 entry period for new agents (first 3 residential transactions or 5 leases), a $750 annual technology fee, and per-transaction E&O and post-CAP fees. Understanding the complete cost picture is essential before evaluating whether ROA's model is right for your production level.
| Fee | Amount | Notes |
|---|---|---|
| Entry period split | 40% to ROA | First 3 residential transactions or 5 leases |
| Standard split | 15% to ROA | After first 3 deals — 85/15 |
| Annual CAP | $14,000 | After paying $14K in splits |
| Monthly fee | None | ROA explicitly charges no monthly fees |
| Annual technology fee | $750/yr | Paid in $250 increments on first 3 deals |
| E&O insurance | $50/file | Per-transaction coverage |
| Post-CAP transaction fee | $250/deal | After CAP is hit |
| CAP reset | Annual | Resets each year |
Source: Realty of America official FAQ (blog.realtyofamerica.com/faqs), verified February 2026.
Important for New Agents
The 60/40 split applies to your first 3 residential transactions (or first 5 residential leases) each year — not just when you first join. This means every year resets, and your first 3 sales deals of each year are at the less favorable 60/40 split. An agent closing 6 transactions per year at $9,000 GCI per deal would pay $21,600 in splits on their first 3 deals (at 40%) and $12,150 on their next 3 (at 15%) — a total of $33,750 in broker splits before hitting the $14,000 CAP. There are no monthly fees, which is a meaningful advantage for agents with variable production.
Pros
✓85/15 split after entry period
✓No monthly fees
✓$14K CAP — lower than eXp
✓Texas-based brokerage
✓Established Texas market presence
✓National Fair Housing compliance
Cons
✗60/40 split on first 3 residential transactions or 5 leases
✗$750/yr annual tech fee (paid on first 3 deals)
✗$50/file E&O fee per transaction
✗$250/deal post-CAP fee
✗CAP resets annually
Realty of America agents in Texas start on a 60/40 split for their first 3 transactions. After completing 3 deals, the split improves to 85/15 for the remainder of the year. The annual CAP is $14,000. After hitting the CAP, agents pay $250 per transaction for the rest of the year.
Realty of America charges no monthly fees. Their fee structure includes a $750 annual technology fee (paid in $250 increments on your first 3 deals), a $50/file E&O insurance fee per transaction, and a $250/transaction post-CAP fee. New agents start on a 60/40 split for their first 3 residential transactions or first 5 leases before moving to the 85/15 split.
Realty of America's annual CAP is $14,000. After paying $14,000 in splits (at the 85/15 rate), agents pay $250 per transaction for the remainder of the year. The CAP resets annually.
Realty of America can work for new agents. There are no monthly fees, which is an advantage for agents with lower production. However, the 60/40 split on the first 3 residential transactions (or first 5 leases) means new agents pay more per deal initially. New agents who close fewer than 3 transactions in their first year will pay the higher 60/40 split on all their deals.
Realty of America offers a higher split (85/15 vs 80/20) and a lower CAP ($14K vs $16K) compared to eXp Realty. Realty of America charges no monthly fees, while eXp charges $85/mo. Both brokerages have post-CAP transaction fees and annual tech/brokerage fees. The 60/40 entry period at Realty of America (first 3 residential transactions or 5 leases) is a disadvantage not present at eXp.
Compare to TBS
Request the TBS pricing sheet and calculate your exact annual savings compared to ROA's 60/40 entry period, monthly fees, and $250/deal post-CAP fee.
Editorial Disclosure & Sources
Texas Broker Sponsor™ is a competing broker sponsorship service. This review is based on Realty of America's official FAQ documentation at blog.realtyofamerica.com/faqs, verified February 2026. Fee structures may vary. Verify all information directly with Realty of America before making a sponsorship decision.