Dan J. Harkey

Master Educator | Business & Finance Consultant | Mentor

California Economy

"Onerous Laws & Regulations” and “Unintended Consequences” are the State’s Most Reliable Output.

A reality-based look at housing, lending, regulations, and the consequences nobody expected, nor budgeted for.

California isn’t just an economy—it’s a live experiment in what happens when ambition meets regulation, and regulation meets… more regulation. I break down what’s really driving outcomes in housing, insurance, construction, and credit—tracking the intended and unintended consequences all the way to NOI, DSCR, and deal viability. Humor included, because if you don’t laugh at policy irrational logic, you’ll end up crying into your escrow impound account.

Search Results

The Climate Change Agenda: Taxation, Redistribution, and Cultural Marxism

International climate conferences like COP30 reveal the hollow nature of the global climate apparatus. These events are crowded with thousands of bureaucrats and activists, all clamoring for money under the banner of a “crisis” that many argue is exaggerated or even fabricated. Behind the lofty rhetoric lies a system designed less for environmental stewardship and more for wealth redistribution and ideological control. This should make skeptics feel validated and cautious about the true motives behind these gatherings.

”Climate Change” Was Manufactured for Profits, Taxation, and Redistribution

GeoTracker in California is an Internet-accessible Database System Managed by the State Water Resources Control Board.

Its primary function is to track, store, and provide access to environmental compliance and contamination data for properties that may Impact groundwater or soil quality.

Defaulted HOA Dues- Liens and Foreclosures: What Every Homeowner Should Know

If you fall behind on homeowners’ association (HOA) dues or assessments, understanding HOA lien laws is crucial because they directly affect your property rights and risk losing your home. Laws in various states differ. The primary difference is between states with super-priority lien status and those without.

Defaulted HOA Dues in California under the Davis-Stirling Act: An Overview of the Foreclosure Procedure

California regulates HOA foreclosures under the Davis-Stirling Common Interest Development Act (Civil Code §§ 5650–5730). HOAs have the authority to record liens and foreclose, but strict conditions and procedures apply.

State Apparatus vs. The People: A Struggle for Autonomy

AB 36 California: How Permanent Pro Housing Rules Are Rewiring Local Incentives—and What Comes Next- Technical Read

AB-36 California: Strengthening Pro-Housing Designations for Local Jurisdictions- Quick Read

SB- 4: When the City of San Diego (or any other municipality) neglects to comply with State Housing Mandates, there are specific procedures to follow.

Artificial Intelligence: The Threat the Government Can’t Destroy-Technical Read

How truth-finding machines, born from code, are prying open a century of obscurity and secrecy.

Artificial Intelligence: The Threat the Government Can’t Destroy- Quick Read

For over a century, the American political and economic system has been shaped by entrenched interests, opaque institutions, and narratives designed to maintain control. Today, a new force, Artificial Intelligence (AI), is emerging as a potential disruptor, not because it seeks power, but because it serves as an arbiter of truth. And truth, uncovering a system built on deception, is revolutionary.

Poof! My Deal Just Went Up in Smoke: Why Real Estate Transactions Collapse and How to Salvage Them

In real estate, few things are more gut-wrenching than watching a deal unravel after weeks of effort. One moment, you’re celebrating a signed purchase agreement; the next, you’re explaining to your client why the closing won’t happen. Deals fall apart for many reasons—some preventable, others unavoidable. Understanding these pitfalls and remedies can save time, money, and relationships.

Property Transfers of Related Parties to Related Parties:

California Statutory Exclusions From Property Tax Reassessment Under the Revenue and Taxation Code and Related Rules:

The Wealthy Class and Everyone Else – Part III of III

Financial Repression

U.S. Criminal Justice System: Wrongful Convictions--

The statistics on wrongful convictions in the U.S. criminal justice system reveal a troubling pattern of innocent individuals being prosecuted, found guilty, and later exonerated. The criminal justice system, in many cases, is more interested in a conviction than in the truth. This dreadful system may be of interest only to the falsely accused, their families, and their friends. Also, many innocent parties are forced to plead guilty to avoid a longer sentence. The system is flawed, and too little is done about it.

The Wealthy Class and Everyone Else – Part I of III

Debt, Inflation, and the Architecture of Cronyism

Are We Living Through a Not-So-Quiet Revolution

Something feels broken. We’re told every day that America is thriving, that the economy is strong, and that opportunities are everywhere. But if you’re living in the real world, you know that’s a fantasy. The truth? We are already in the early stages of a revolution. This is not the kind of muskets and barricades, but a profound, systemic upheaval that is reshaping our understanding of what it means to live in this country.

Skilled Trades Surge: America’s Quiet Workforce Revolution

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.