Welcome to DanHarkey.com

Master Private Money Lending & Personal Growth with Expert Guidance

With over 50 years of experience, Dan J. Harkey has helped thousands navigate the complexities of real estate finance, private money lending, 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, Private Money Strategies, Real Estate, Finance, and Personal Development

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How Can Dan Help You Today?

Private & Hard Money Lending 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

Dan,

When I met you back in 1988, I didn’t know that I had met my first real mentor. I am deeply grateful for the time and effort you have invested in me over these years. Your support and guidance has been a pivotal part of my professional journey. I appreciate all the lessons and advice you have shared, your friendship has been a priceless gift.

Thank you for believing in me.

— James Perry

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.

Humor for Emotional Health: What Science Says

Humor is often described as “the best medicine,” but this isn’t just a cliché—scientific research increasingly supports the idea that laughter and humor play a vital role in emotional and physical well-being. From reducing stress hormones to improving cognitive function, humor is a powerful, evidence-based tool for mental health.

The Four Components of American Enterprise--interdependent—competing forces--and Why They Matter

The U.S. economy runs on four interdependent components: workers, consumers, government, and the Federal Reserve. Understanding their roles—and how they interact—helps explain both growth and volatility. This is a shortened version of an article of the same title.

The Four Interlocking and Competing Forces Driving—and Distorting---the American Economy—and Why They Matter

The U.S. economy is driven by four interdependent components: workers, consumers, government, and the Federal Reserve. Understanding their roles—and how they interact—helps explain both growth and volatility.

Debt Monsters-Credit Cards-Locked into A Spiral of Dread

The current state of credit card defaults is not just a concern; it’s alarming. We’re witnessing the highest rates in 14 years, a stark reminder of the 2007-08 meltdown.

Credit Card use can be beneficial. It can also become a curse to deal with. Consumer habits will dictate whether it is advantageous or a curse.

Credit cards can be powerful financial tools, but they come with both advantages and disadvantages.

Insurance Companies: Admitted vs. Non-Admitted

Here’s the difference between admitted and non-admitted insurance carriers in California:

How to Create a Set of Daily Action Habits that will Boost Productivity

Building a series of daily action habits for productivity works best when you combine clarity, consistency, and accountability.

The 80/20 Rule: How Empowering is the Application?

The 80/20 Rule (Pareto Principle) is highly applicable in productivity, but its effectiveness depends on how you implement it.

How Are FICO Scores Calculated, and Why Are They Important?

✅ How FICO Scores Are Calculated

Hog Wild: What is the Origin and Meaning

The phrase “hog wild” is an American idiom that means acting in an unrestrained, reckless, or enthusiastic manner, often with a sense of going overboard or losing self-control. People and groups become crazy and excited.

Dan J. Harkey

Educator & Private Money Lending Consultant