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

Dan provides the reader with a vast amount of useful information. Based on his life experience in the lending and real estate fields, I consider him a source of sound, consistent information.

— Bob Hawkins

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.

Fix-and-Flip Loan Submission Checklist

Here’s a tailored Fix-and-Flip Loan Submission Checklist for mortgage brokers preparing a package for lenders.

Hard Money Loan Submission Checklist

Here’s a Hard Money Loan Submission Checklist specifically designed for mortgage brokers working with private or non-institutional lenders. These lenders typically prioritize asset-based lending, speed, and clear risk mitigation.

Loan Submission Package From a Mortgage Broker to a Lender

An effective loan submission package from a mortgage broker to a lender should be clear, complete, and compelling, enabling the lender to quickly assess the loan’s risk and viability.

“Tip of the Iceberg:” The Origin and Meaning- Expanded Read

The phrase “tip of the iceberg” is a widely used metaphor for a small, visible part of a much larger, hidden issue or structure. It evokes the image of an iceberg floating in the ocean, with only a small portion—typically about 10%—visible above the surface, while the vast majority remains submerged.

I’m Gonna Wash That Man Right Outa My Hair

The song “I’m Gonna Wash That Man Right Outa My Hair” originated in the 1949 Broadway musical South Pacific, written by Richard Rodgers (composer) and Oscar Hammerstein II (lyricist). It was performed by the character Nellie Forbush, initially played by Mary Martin, in a memorable scene where she literally washes her hair on stage while singing the tune.

Until the Cows Come Home: How a Rural Idiom Grazed Its Way into Everyday Speech

The idiom “until the cows come home” means for a very long time, possibly forever. It’s often used to emphasize that something can continue indefinitely without coming to an end. For example:

Unlock High-Yield Opportunities with Fractional Trust Deed Investing

Looking for strong returns with a hands-off approach? Fractional trust deed investing offers private investors a secure, flexible way to participate in real estate lending—without the headaches of property management.

Setting Up a Professional Executive Loan Summary for Prospective Lenders

Procedures for the Initial Loan Inquiry to Earn Origination Fees

Best Practices for Procuring Brokers

Fractional Trust Deed Investors: Ownership as Tenants-in-Common

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