Dan J. Harkey

Master Educator | Business & Finance Consultant | Mentor

Private & Hard Money Lending

Valuable Insight and Information About Private & Hard Money Lending

Private Lending Runs on Trust. Brokers Make It Work

In private and hard money lending, brokers and agents don’t just “find money”—they engineer the transaction. They act as intermediaries with fiduciary responsibilities, aligning Borrower needs with investor requirements while keeping the deal anchored to collateral value, risk, and an executable exit strategy. This site provides reliable insight—from structuring to underwriting to documentation—so your deals are defensible and your outcomes predictable.

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Some Agreements Between Principal Parties Are Intended To Be For Non-Binding Mutual Understandings, While Others Are Binding Contracts

Memoranda of Agreement (MOA) vs. Memorandum of Understanding (MOU)

Lady Sues Ex-boyfriend Over His Attempt To Steal Her Property

A Private Money Lender Came To The Rescue

When Real Property Borrowers Default On Their Loan Obligations: Part I of IV

The Key To Preparedness Is Understanding The Legal Procedures

Repositioning Office Buildings Into Apartments And Condominiums Is A Complex Process

In many cases, the demolition crew has a job of dismantling economically, physically, and functionally obsolete buildings.

Friends Do Business with Friends: A Life-Sustaining Premise

Developing Long-Lasting Relationships Is A Key To Business Success As Well As Life’s Satisfaction Level

Loan Brokers and Agents Understand Fiduciary Relationships

Most Brokers And Agents Adhere To The Concept Of Fiduciary Relationships, But A Few Fail to do so.

Lightning Speed Of Closing Private/Hard Money Loans: The Pivot When Urgency Is An Issue

Sometimes Borrowers Have An Urgent Need To Get the Proceeds Of A Loan To Solve An Urgent Problem

Networking With Valuable Financial Services Providers Like CPAs, EAs, and Financial Planners

Is A Valuable Referral Source For Private Money Lenders

Debt Consolidation Loans For Small Entrepreneurs

Sometimes Borrowers Need a Fresh Start and Stabilization to Clean Up Past Problems

Due-On-Sale and Encumbrance Provisions In Loan Documents

This Provision May be Contained In the Trust Deed for Residential, and the Trust Deed and Loan Agreement in Commercial

Environmental Hazards in Real Property Require Investigation By Professionals

Serious Risks And Liability For Real Estate Owners, Agents, and Lenders When Properties Are Not Vetted Properly

Making Loans On Real Property with Environmental Issues

Anytime There Is A Commercial Property, Reviewing Environmental Issues Is Necessary

What We’ve Got Here Is A Failure to Communicate: Origin-Cool Hand Luke

The Communication is About How Mortgage Brokers Deliver Their Loan Transactions To Viable Lenders

There’s a Stranger in My House

The (stranger) in real estate lending is referred to as PACE or “Property Assessed Clean Energy” and HERO or “Home Energy Renovation Opportunity” loans

Private Money/Hard Money Overview

A Vital Subset Of The Real Estate Lending Industry

An Insurance Broker and a Borrower Willfully Engaged In Fraud Against a Lender

Even A Few Service Providers Have No integrity

Networking Professional Service Providers with Large Networks of Their Own

Are A Valuable Referral Sources For Private Money Lenders

Family Trusts vs Deeds of Trust

Insurable Value vs Assessed Value

Valuation Methods and Purposes Differ Greatly

The Crucial Concept of Depreciation in Real Estate Ownership

Depreciation refers to the loss in property value from any cause. It results in diminished value reflecting the difference between the present value and the cost to reproduce or replace.