Dan J. Harkey

Master Educator | Business & Finance Consultant | Mentor

Real Estate Finance

Real Estate Finance insights for owners, lenders, and real estate pros—rates, credit, underwriting, leverage, DSCR, cap rates, cash flow, and risk

Real Estate Finance is where deals either pencil—or they don’t. This category covers the money side of real estate: interest rates, credit markets, underwriting standards, leverage, debt service, DSCR, cap rates, cash flow, reserves, and risk. You’ll find practical insight on mortgage lending, private and complex money structures, refinance strategy, and how policy and market shifts quietly reprice assets. Expect clear explanations, real-world frameworks, and a little humor—because nothing reveals “reality” faster than a loan term

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Accredited vs Non- Accredited Investors (Federal and California):

Accreditation is about People or entities that meet income, net worth, or professional sophistication requirements and demonstrate their ability to manage risk and financial loss.

Private-Party Investors in Real Estate Lending: Technical Read

The Sophisticated Playbook for Trust Deeds, Mortgages, and Promissory Notes

Real Estate Lending: Understanding Private Party Investors In Trust Deeds - Quick Read

What Every Lender, Trust Deed Buyer, and Mortgage Investor Must Know

When the Lowest Rate Isn’t the Best Option:

A Borrower’s Guide to Bank Mortgages vs. Private Money

When Banks Say “No,” Private-Party Lending Can Say “Let’s Look Closer”

Visit Dan Harkey’s Website

www.danharkey.com Where economics meets real life.

SB-4 Enforcement Request Letter to the Attorney General’s Office.

SB-4 enforcement request letter templates aim to guide housing advocates, legal professionals, and community organizations in effectively requesting agency action to enforce housing laws and ensure project compliance.

SB-4: California Church Corporations and Nonprofit Low-Cost Housing Building Opportunities.

Are there legal remedies available to the church or nonprofit if a municipality refuses to cooperate and comply with state mandates?

Building Trades Vendors: Your Real Estate Deal Lives or Dies on Their Performance- Quick Read

The Hidden Infrastructure Behind Every Smooth Closing

Independent Foreclosure Trustees (Agents):

The Referee Who Executes the Real Property Foreclosure Procedure

Top 10 Real Property Inspection Triggers + Lender Responses (Private Lender Playbook)

“Every trigger gets a response: re-trade, reserve, repair-before-fund, or walk.” This approach helps lenders feel equipped and confident in handling property issues effectively.

Real Property Inspections & Condition Assessments:

Where Deals Get Delayed—and Liability Gets Real

Repairs and Construction Trades:

Relating to Real Estate Transactions: Deals Live or Die on Demands Related to Urgent Repairs:

It Takes a Team of Professionals

To Close Loans, Including Third-party Vendors.

Private, Hard, and Bridge Loans:

There are distinct types of non-bank financing, each with unique Features that influence their application and structure.

Private Money vs. Hard Money vs. Bridge Loans (Same Bucket, Different Labels)

When banks decline or delay, private, hard, and bridge loans provide alternative funding options, highlighting their flexibility for quick access.

Reasons Borrowers Choose Private Money Loans (When Banks Can’t—or Won’t—Move)

When a bank says “maybe,” private money answers a different question: “What’s the collateral and what’s the exit?” This focus can reassure borrowers about the security and clarity of their financing options, building trust in private lending.