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.

The Life and Times of Mr. Rogers

Fred Rogers—known to millions simply as Mr. Rogers—was a profoundly influential figure in American television and childhood education

How connected is the USA to Israel?

The relationship between the U.S. and Israel is not just a bilateral alliance, but a unique and significant factor in global geopolitics. It stands as one of the most financially and politically intertwined alliances in the world, underscoring its exceptional nature--In terms of payments to, and in turn, Israel lobbying the U.S legislature for preferential treatment?

Entitlement Arbitrage: Property Owners Unlocking Hidden Value in California Real Estate

California’s evolving land use laws have created a rare window of opportunity for real estate property owners and investors. With the state now overriding local municipalities in the approval process, properties once constrained by zoning limitations can now be repositioned for high-density residential development—dramatically increasing their value.

California’s Entitlement Feed Back Loop: When Good Intentions, Bureaucracy, and Market Reality Collide

California prides itself on protecting consumers, tenants, and communities. However, as “I’m entitled to some of yours” expectations harden into mandates, the machinery required to deliver on those expectations grows—rules multiply, compliance becomes a business line of its own, and costs cascade through housing, insurance, and everyday enterprise.

Why Mutual Cooperation Is Breaking Down—and What’s Driving It

For decades, commerce and civic life rested on an implicit social contract: cooperation and mutual respect.

John Stuart Mill’s Contributions to Freedom: Historical Context and Impact

“The only purpose for which power can be rightfully exercised over any member of a civilized community, against his will, is to prevent harm to others.”

John Stuart Mill: Historical Context and Enduring Impact

John Stuart Mill (1806–1873) wrote in the long shadow of the Industrial Revolution and the Victorian reform era—a period marked by expanding literacy, democratization, religious pluralism, and unprecedented social mobility, but also by entrenched hierarchies and intense pressure to conform.

Police State, Tyranny, Authoritarianism, and Totalitarianism: Understanding the Differences and Lessons for Modern Governance

Throughout history, societies have grappled with different forms of oppressive governance. While terms like police state, tyranny, authoritarianism, and totalitarianism are often used interchangeably, they describe distinct political realities. Understanding these differences is crucial for recognizing early warning signs in modern democracies.

How People Develop Their Frame of Reference—and Why It Matters in Business and Finance

Discover how frames of reference shape decision-making in business and finance. Learn the key factors that influence perspectives and why understanding them is critical for success.

W. Edwards Deming: The Architect of Modern Quality Management

W. Edwards Deming (1900–1993) was a statistician, engineer, and management visionary whose ideas transformed global industry. Best known for his work in post-war Japan, Deming introduced principles that shifted quality from an inspection-based activity to a management-driven, systemic process.

Dan J. Harkey

Educator & Private Money Lending Consultant