Dan J. Harkey

Master Educator | Business & Finance Consultant | Mentor

Real Estate Finance

Search Results

CEQA: A Major Hurdle for Real Property Development Projects in California Is Being Overhauled

Behind the backdrop of California regulations are always the usual suspects: public employees, labor unions, and lawyers who want a piece of everyone's action. These entities often use their influence to shape policies and regulations in their favor. Growth in the size of government, as well as the expansion and consolidation of power at the top, are always at the forefront.

Private Money: Real Estate Loan Documents and Related Disclosures

Real Estate Practitioners Should Gain a Comprehensive Understanding of the Loan Documentation To Carry Out Their Fiduciary Responsibilities to the Principals.

Private Money Trust Deed and Mortgage Investments

The investor’s name is affixed to the borrower’s promissory note, deed of trust, and title insurance policy; the investor serves as both the lender and the beneficiary. The documents represent clear evidence of ownership (or a security interest) in collateral property.

AB-130: How it Damages Subordinate Financing in California, for Residential Property

AB 130 was signed into law by Gavin Newsom on June 30, 2025

A Borrower Operates With Very Little Skin in the Game, Trying To Maximize Profits

Maximum Leverage May Be Beneficial To The Borrower or May Be Used to Transfer the Developer’s Risk to the Lender

Can We Purchase a Property and Subject to the Seller's 2.9% Fully Amortized Loan?

Without Notifying the Lender Who Holds The Loan?

The Savvy Private Money Broker: Uncovered Significant Material Facts In A Potential Loan Transaction

The Borrower Intentionally Hid Pertinent Information

Daisy-Chain Mortgage Brokers Make Their Proposed Transaction Uncompetitive In The Marketplace

If Three Or Four Mortgage Brokers Demand To Get Paid, it will kill almost all transactions

Assessing Private/Hard Money Loan Transactions

Private money, also referred to as hard money, plays a vital role in the real estate industry.

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

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

Making Loans On Real Property with Environmental Issues

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

Trading Short-Term Gratification for Long-Term Pain

Buy now, pay later is not a good strategy

A Borrower and Their Insurance Broker Willfully Engaged In Fraud Against a Lender

Even A Few Service Providers Have No integrity

Insurable Value vs Assessed Value

Valuation Methods and Purposes Differ Greatly