Reasons Borrowers Choose Private Money Loans: Quick Read

- When Banks Can’t—or Won’t—Move —especially if your credit, property type, or timeline don’t fit traditional bank criteria, private money offers a flexible alternative.

Should We Sell Our Family Home and Buy a Better One?- Quick Read

Interest Rates are trapping Upward Mobility

When the Lowest Rate Isn’t Best Option- Quick Read

Here are the 5 most important reasons to read this article:

Loan Underwriting Isn’t a Credit Score:

—It’s Proof of a Reliable Borrower with Documentation, Including The Assistance Of His Mortgage Broker

Approvals Don’t Buy Properties. Funding Does.

The True Cost of Waiting for The Bank is Not Always a Good Decision. Banks Follow Procedures, not Results.

Waiting for the Bank Is a Gambler’s Move:

Not unlike The Midnight Gambler

When the Lowest Rate Isn’t the Best Option:

Here are the 5 most important reasons to read this article:

Solo entrepreneurs and very small organizations don’t lack structure: Part I of II

They suffer from self-created bureaucracy.

Fiduciary Duty: For Real Estate Licensees: Part I of II

A License Is Not Just Permission, It’s a Legal Obligation

Fiduciary Duty: For Real Estate Licensees: Part II of II

Little Boxes: Song from 1962 Rejecting Conformity

by Malvina Reynolds and later, Pete Seeger:

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)