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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Speed Of Private/Hard Money: The Pivot

Private Money Lenders Can Close Loans Super Fast

Lending On Environmentally Challenged Properties

Look For Solutions Through Midigation

A Borrower And Their Insurance Agent Defrauded The Lender

The Pretended That The Policy Was Effective When The Insurance Company Declined Coverage

Accidentally Building on Your Neighbor's Property

Terrible mistake Full Of Stress and Financial Misallocation

Two or More Successor Trustees: Successor Trustees are Hostile Toward Each Other When There Is Unearned Money To Distribute.

One Wants To Protect Momma, and the Other Wants The Cash Now

Cross Collateralization and Cross Default Provisions In Loan Documents

Asking For Additional Protective Equity

Subordination And Inter-Creditor Agreements

This Document Protects Both Parties

Financial Elder Abuse in Real Estate Lending

We Must All Guard Against Financial Elder Abuse

The Borrower Objected to Paying for Adequate Property Insurance

Stupid Is As Stupid Does, As Forrest Gump Stated

Land Parcels Containing Manufactured Homes

A Great Life Style for much Less Money and Off the Social Grid

Property Lacks Easements for Ingress/Egress:

There Is No Way To Get In And Out Of The Property

Loaning To A Borrower With No-Skin-In-The-Game

The King and Queen of Leverage

Construction Completion Loans:

Loaning To Complete A Project is a Good Subset Of The Private Money Lending Industry

Encumbering the Trust Property: The Co-Trustees (Two Sons) Want to Get A Loan Using The Trust Property As Collateral

Family Sticks Together And Solves The Problem

Lending on Non-Conforming Strip Retail Centers

Private Money Lenders Save the Day

Loaning On Property With Deffered Maintenance

Value By Upgrading The Property

Chapter I- Private Money Loans: An Overview

For Non-bank deals

Who Moved My Marketing Techniques Cheese?

The Shifting Landscape in Effective Marketing Techniques

Liens and Encumbrances: - in Real Property Transactions

How Recordation Clouds The Title Of The Real Property

The Borrowers Were silent. They Did Not Disclose Their Bankruptcy To The Lender

Silence Is Not Always Golden