Internal Rate of Return Is the Only Honest Measure of After-Inflation Investment Performance

Inflation distorts every nominal measure of investment success.

SB-1123: How California Cities Implement Building Requirements as a Ministerial Subdivision Pathway

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

SB-4: The Devil Called CEQA- The Three Words That Change Everything for Faith-Based Housing Developer Must Confront

Why SB-4’s “Not a Project” Status Gives Project Developers like Free Sacred Trinity Church a Stronger Hand

California-CEQA, Housing Accountability, and State Overrides Under AB-130 and SB-131

On 30 June 2025, Governor Newsom signed AB 130 and SB 131, two major budget trailer bills that together represent the most substantial CEQA reform in over 50 years.

Why You Should Visit DanHarkey.com: Sharpen Your Tools

And Why You Should Refer Your Friends, Associates, And Family

Playing “Spin Doctor” In Real Estate

(what it means, how it shows up, and how to spot it)

Playing “Spin Doctor” in Real Estate Lending

(What it is, how it shows up, and how to counter

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.