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 Borrowers Intentionally Withold Material Facts

During The Loan Submittal Process

Honey, It’s My House, Too; I Didn’t Think You’d Mind!

A real-life example of a husband intentionally deceived his wife

Private Money/Hard Money Real Property Loans:

A list of good reasons to switch to a private money lender

Legal vs Equitable Ownership in Real Property

As It Relates to a “Due On Encumbrance” Provision In A Deed of Trust

The National Condo Crisis

75% of older buildings need significant upgrades with the costs passed on the the owners and renters

Possible Actions Taken by Defaulting Borrowers

In Real Property Transactions

Appraisals: By Whose Standards Shall We Operate?

Or Is Their Wiggle Room in The Process For Future Development

Defaults On Real Property Loan Obligations

Understanding the Various Forms of Default, Part II of IV

When Real Property Borrower's Default

Understanding The Legal Procedures: A Key to Preparedness Party I of IV

Assessing Private Money Loan Transactions

Evaluating The Viability Of Approval and Closing

Environmental Hazards in Loaning on Real Property

Serious Risks For Real Estate Owners, Tenants, Agents, and Lenders

Will Interest Rates Rise or Decrease in 2026?

The First 200 Days Of The Trump Administration Will Dictate The Direction

Mansion Taxes in California Applies To All Types of Properties: The Devastating Impact on Sales

Soak The Rich Because Thats Where The Money Is

Real Property Easements

The Purpose & The Risks

Organize Your File And Create An Executive Loan Request Summary:

How to Submit a Loan Transaction to a Funding Broker

Lady Sues Ex-boyfriend Over His Transfer Of Title to Her Property

A Private Money Lender Came To The Rescue

Liens and Encumbrances: Subordination

Is Someone’s Willingness to Subordinate Fact or Fiction?

Co-investing in Trust Deeds as Tenants-In-Common:

Under a Common Interest Plan or Arrangement

Anger is Usually A Sign of Desperation

When His Loan Request Was Denied, He Perceived Unfair Treatment of His File

Private/Hard Money for Debt Consolidation: Fresh Start

Some Borrowers Need A Helping Hand To Get Out Of Financial Problems