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, I enjoy your real estate finance articles because they reflect significant knowledge and experience.

— Dennis Doss

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.

Light Speed Differential: When the Rate of Change Breaks Human and Organizational Instincts- Part I of II

Most people and organizations fail not because they move slowly, but because they misjudge how much faster the world has begun to move around them. The real risk is not changing itself. It is the difference between the speed at which we are built to adapt and the speed at which reality now evolves.

SB-1123: How California Cities Implement

SB 1123 (effective 1 July 2025) builds on SB 684 by expanding ministerial, CEQA-exempt subdivision approvals to additional zones, supporting cities’ efforts to streamline Housing development.

SB-684 and SB-1123: Explained in Detail

California Senate Bill 684 (2023), effective 1 July 2024, is a major state Law aimed at addressing the Housing shortage by streamlining small-scale, for-sale Housing development through ministerial approval of certain subdivisions and related projects containing 10 or fewer parcels and 10 or fewer dwelling units.

SB-4 streamlines zoning and land-use approvals but does not alter or exempt projects from existing subdivision requirements under the Subdivision Map Act, ensuring compliance remains required.

If a project creates new legal parcels (tract/parcel maps), they must still file a map.

The California Map Act and the Subdivision Map Act:

Understanding a Century of Land Use Evolution

“Highway to Hell”

AC/DC and the Making of “Highway to Hell”

“Roger That”:

If you’ve ever said “Roger that,” you didn’t say “yes.” You said, “Message received and understood.” The phrase sounds cinematic, but its roots are technical, born from the need to convey certainty over noisy airwaves and crackling lines. And while “Romeo” replaced “Roger” in the modern phonetic alphabet, the word endured, becoming a timeless seal of acknowledgment from cockpits to control rooms to everyday speech.

Pretty Girls Dancing While Working Out

Take a short break from today’s pressure to enjoy the scenery

The Bee Gees and the Art of Staying Alive

Few songs are as instantly recognizable—or as enduring—as the Bee Gees’ “Stayin’ Alive,” Which not only topped charts in 1977 but also became a symbol of resilience and cultural identity during the disco era, shaping how we perceive that time.

Brainwashing vs. Propaganda:

Influence, Coercion, and the Line Between Them

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