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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Financing Overleveraged Homeowners Who Continuosly Refinance and Living Off The Proceeds

They Preceived That Their Strategy Of Continuous Refinancing Was A Smart Decision Until It Wasn't

Borrowers Have Liens, Encumbrances, and Judgments to Clear Up:

Working Through The Problems With Highly Skilled Mortgage Brokers Is A Must

Loaning On Small Owner-Occupied Commercial Buildings

The Building is Owned By The Trustee Of The Trust. The Occupant is Ownes His Business As An S-Corportion

Independent Real Estate Professionals: Synergies Between

Are Required To Close Loans

Can We Purchase Property and Take Over the Seller's 3% Loan?

Without Notifying the Lender Who Holds The Loan?

Fractional Trust Deed Investing

Private parties choose trust deed investing because the yields are excellent, while the management is relatively passive.

Daisy-Chain Mortgage Brokerage Services

Some Mortgage Brokers Practive Receiving Leads The Passing To The Next Broker Than Can Become A Mess When All Want To Get Paid

Commercial Properties with Operating Businesses

Lending: Unique Underwriting Considerations

Appraisers’ Opinion of Value May Vary: - in Quality and Completeness

Some Appraisal Reports Are Useless

Debasement: Watching Your Dollars Shrink in Value

Continuous Debasement Keeps The Common People On An Economic Tread Mill

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

Upward Mobility is Being Trapped by Interest Rates

High-Density Housing: The Shifting Landscape

Competing Forces of Oversight Of The Approval Process: Federal, State, & Local

Overcoming Barriers to Real Estate Ownership

Pushing Back Against A System That Only Works For It's Self Interest, Rather Than Real Property Rights

Property Ownership and the American Dream Under Threat- The Shifting Landscape Part I

Changes as Described in Parts I, II, II, & IV

Condominium vs Stock Cooperative Ownership: Condo vs. Co-Operative

There Is A Massive Difference in Possessionary Rights

The Capitalization Approach to Income Property Valuation: A Crucial Tool for Real Estate Professionals

Income Valuation

“Here’s the Borrower’s Name & Phone Number, Call Them. Build Me in for 2 points!”