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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Assessing Private Money Loan Transactions

Evaluating The Viability Of Approval and Closing

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

Liens and Encumbrances: Subordination

Is Someone’s Willingness to Subordinate Fact or Fiction?

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?

America: A Cultural Model For The World To Admire:

My Days and Nights are Illuminated With a Renewed Sense of Optimism and Delight

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

Income Valuation

Consumer vs. Business Purpose Lending

Making The Distinction As Defined In Truth-In-Lending

Private Money Lending: Licensing and Regulatory Oversight

On Overview Of The Private Money Industry

Lien Priority-Recording Documents And Instruments

How The System Of Public Notice Recordation Works

Trust Deed and Mortgage Investments:

An Investment Strategy

Private Money Credit Approvals: Best Practices

Is An Industry Standards Process

Private Money, Hard Money, Loan Originations

Best Practices

Time Allocation: And The 80/20 Rule

Use The 80/20 Principle

Speed Of Private/Hard Money: The Pivot

Private Money Lenders Can Close Loans Super Fast

Accidentally Building on Your Neighbor's Property

Terrible mistake Full Of Stress and Financial Misallocation

Cross Collateralization and Cross Default Provisions In Loan Documents

Asking For Additional Protective Equity