Dan J. Harkey

Master Educator | Business & Finance Consultant | Mentor

Welcome to DanHarkey.com

Master Educator | Business & Finance Consultant | Mentor

With over 50 years of experience, Dan J. Harkey has helped thousands navigate the complexities of real estate finance, and personal development. Whether you’re an investor, entrepreneur, or seeking financial wisdom, Dan provides actionable insights to help you succeed.

Giving back to the real estate community and helping others is a proven method of developing lasting and sustaining relationships and friendships.

Dan brings a wealth of knowledge spanning back to 1972. In addition to a life teaching credential, and has owned and operated a successful real estate sales company, mortgage company, escrow company, general insurance brokerage, and property management company.

Dan J. Harkey is a distinguished real estate consultant and educator who has given 350 seminars and written hundreds of insightful articles, all designed to improve the lives of his student partners.

Start Exploring Dan's Expert Articles on Business Growth, Real Estate, Finance, and Personal Development

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How Can Dan Help You Today?

Business Insights

  • Understand market trends, risk assessment, and profit potential
  • Learn proven strategies to maximize returns
  • Gain exclusive access to expert analysis from an industry veteran

Real Estate & Economic Trends

  • Navigate the evolving landscape of real estate finance
  • Make informed investment decisions with expert guidance
  • Stay ahead with in-depth economic insights

Reinventing Yourself & Personal Growth

  • Overcome challenges and embrace change with confidence
  • Develop resilience and unlock your full potential
  • Discover strategies for long-term personal and professional success

What Others Are Saying

Thank you, Dan Harkey, for writing such engaging and educational content for our Realty411 and REI Wealth magazine readers. You're a master wordsmith with a gift in being able to explain difficult financial concepts in a way that everyone, regardless of their real estate experience, can understand.

— Linda Pliagas, REALTOR®

Why Learn from Dan?

  • 50+ Years of Experience in real estate finance & lending
  • 350+ Seminars & Hundreds of Published Articles
  • Successful Entrepreneur – Mortgage, escrow, insurance, & property management
  • Proven Track Record – Helping investors & professionals build wealth

Dan's Latest Articles

Articles written by Dan Harkey contained in the website are for educational purposes only and are not intended to be comprehensive. Some articles contain opinions expressed by Dan Harkey that may be inconsistent with the views of others.

Dan Harkey’s articles are Not to be construed or relied upon as legal or accounting advice. Each subject written about is complex and may require the advice of qualified professionals in the subject areas discussed.

Qualified professionals typically include, attorneys, accountants, appraisers, architects; and environmental, soils, structural, and civil engineers. Consultation with title insurance and escrow officers; with construction, development, and other business experts may also be appropriate.

Can a Church Corporation or a nonprofit 501 (c) (3) sue a municipality in California for discrimination for failure to abide by:

SB-4, SB-1037, AB-1893, AB-712, and SB-808 come into Play in the development approval process if the city, Such as San Diego, refuses to approve the project (ministerially), subject to state mandates.

“Fat Cat”

How a Pudgy Insult Became a Political Power Word

The Nightly Glass of Red Wine in 2026: Still a Vibe—Just Not a Vitamin

If your evening has a soundtrack, there’s a decent chance it includes the soft glug-glug of red wine hitting a glass. For years, that sound came with a comforting footnote: “This might be good for me.” In 2026, science hasn’t exactly corked the bottle—but it has rewritten the label: less is better, and “health benefits” are no longer the main tasting note.

The Nightly Glass of Red Wine in 2026:

From “Heart-Healthy” to Clear-Eyed Tradeoff

“Life in the Fast Lane” (Eagles)

“Life in the Fast Lane” sounds like freedom with the pedal floored—until you realize it’s written like a warning label. Built on a snarling Joe Walsh riff and framed by Don Henley and Glenn Frey’s sharp-eyed storytelling, it captures the seductive velocity of 1970s Los Angeles and the inevitable crash that prompts listeners to reflect on the risks and illusions of modern life.

Dragging His (Hers, It’s) Feet: Part II of II

The Origins and Journey of a Timeless Idiom

Dragging His (Her, It’s) Feet: Quick Read- Part I of II

A Phrase That Speaks Volumes

Reverse Mortgages and Probate After the Death of the Borrower

If probate takes longer than 6 months, the reverse mortgage doesn’t automatically “go delinquent, “which should reassure homeowners and heirs that delays won’t cause immediate default.

Reverse Mortgages Are Due Upon The Death of The Borrower!

Disclaimer (general information, not legal advice): Questions about “fraud” turn on intent, what was communicated (or concealed), what documents were signed, and which program (HECM/FHA vs. proprietary) applies. If there’s a real situation behind your hypothetical, it’s worth speaking with an estate/probate attorney and (for HECMs) a HUD-approved reverse mortgage counselor promptly.

Reverse Mortgages: An Excellent Retirement Strategy for Some Homeowners

Turning Home Equity into Retirement Flexibility—Without Monthly Payments

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