Capacity vs. Capability: Part I

Why Smart Decisions Require Both

Federal Securities Law Exemptions

(Plain English for Private Lenders & Investors)

Accredited vs Non- Accredited Investors (Federal and California):

Accreditation is about People or entities that meet income, net worth, or professional sophistication requirements and demonstrate their ability to manage risk and financial loss.

Licensing Real Estate Loans in America:

The Hidden Patchwork Behind America’s Lending Laws

Private-Party Investors in Real Estate Lending: Technical Read

The Sophisticated Playbook for Trust Deeds, Mortgages, and Promissory Notes

Real Estate Lending: Understanding Private Party Investors In Trust Deeds - Quick Read

What Every Lender, Trust Deed Buyer, and Mortgage Investor Must Know

When the Lowest Rate Isn’t the Best Option:

A Borrower’s Guide to Bank Mortgages vs. Private Money

When Banks Say “No,” Private-Party Lending Can Say “Let’s Look Closer”

Visit Dan Harkey’s Website

www.danharkey.com Where economics meets real life.

SB-4 Enforcement Request Letter to the Attorney General’s Office.

SB-4 enforcement request letter templates aim to guide housing advocates, legal professionals, and community organizations in effectively requesting agency action to enforce housing laws and ensure project compliance.

Can a Church Corporation or a nonprofit 501 (c) (3) sue a municipality in California for discrimination for failure to abide by:

SB-4, SB-1037, AB-1893, AB-712, and SB-808 come into Play in the development approval process if the city, Such as San Diego, refuses to approve the project (ministerially), subject to state mandates.

Reverse Mortgages and Probate After the Death of the Borrower

If probate takes longer than 6 months, the reverse mortgage doesn’t automatically “go delinquent, “which should reassure homeowners and heirs that delays won’t cause immediate default.

Reverse Mortgages Are Due Upon The Death of The Borrower!

Disclaimer (general information, not legal advice): Questions about “fraud” turn on intent, what was communicated (or concealed), what documents were signed, and which program (HECM/FHA vs. proprietary) applies. If there’s a real situation behind your hypothetical, it’s worth speaking with an estate/probate attorney and (for HECMs) a HUD-approved reverse mortgage counselor promptly.

Reverse Mortgages: An Excellent Retirement Strategy for Some Homeowners

Turning Home Equity into Retirement Flexibility—Without Monthly Payments

Building Trades Vendors: Your Real Estate Deal Lives or Dies on Their Performance- Quick Read

The Hidden Infrastructure Behind Every Smooth Closing

Top 10 Real Property Inspection Triggers + Lender Responses (Private Lender Playbook)

“Every trigger gets a response: re-trade, reserve, repair-before-fund, or walk.” This approach helps lenders feel equipped and confident in handling property issues effectively.

Real Property Inspections & Condition Assessments:

Where Deals Get Delayed—and Liability Gets Real

Repairs and Construction Trades:

Relating to Real Estate Transactions: Deals Live or Die on Demands Related to Urgent Repairs:

It Takes a Team of Professionals

To Close Loans, Including Third-party Vendors.

Private, Hard, and Bridge Loans:

There are distinct types of non-bank financing, each with unique Features that influence their application and structure.