Bald Eagle

Dan J. Harkey

Educator & Private Money Lending Consultant

Essential Reading

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Private Money/Hard Money Real Property Loans

A list of good reasons to switch to a private money lender

Bureaucratic Processes Clog the Organizational Systems

Systems Promoting Inefficiencies Create A Drag on Productivity and Output

Fake News, Propaganda, and Disinformation, Part II

The Public Is Now Aware That Mainstream Media Is Often A Preveyor of Misinformation

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

Real Property Insurance: Part III of III

Issues Relating To The Lender And An Overview Of Types Of Coverage

Property Insurance Part II of III

Property Insurance and Financing Real Estate

Property Insurance: Part I of III

Overview Of The Insurance Industry And Real Property Coverages

A Family Trust Cannot Hold Legal Title to Real Estate

Correct Understanding Of Holding Title For A Family Trust

Lien Priority-Recording Documents And Instrruments

How The System Of Public Notice Recordation Works

Trust Deed and Mortgage Investments

An Investment Strategy

Private Money Credit Approvals

Is An Industry Standards Process

The 80/20 Rule

Leverage Your Effectiveness

When A 'Friend' Turns Out To Be An Antagonist

Don't Give Opinions or Accept Opinions From Others Unless It Is Invited Or You Can Make Money From

How To Reinvent Yourself, Part II

When Systemic Failures Are Within Our Control

How To Reinvent Ourselves, Part I

Speed Of Private/Hard Money: The Pivot

Private Money Lenders Can Close Loans Super Fast

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

The Successor Trustees of a Family Trust Are Hostile Toward Each Other

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

The Borrower Objected to Paying for Adequate Property Insurance

Stupid Is As Stupid Does, As Forrest Gump Stated

The 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

The Co-Trustees (Two Sons) Want to Encumber the Trust Property

Family Sticks Together And Solves The Problem

Lending on Non-Conforming Strip Retail Centers

Private Money Lenders Save the Day

Private Money Loans: An Overview

For Non-bank deals

Life Of A Self Starter

Break Out Of Conventional Biases Against Age

Liens and Encumbrances in Real Property Transactions

How Recordation Clouds The Title Of The Real Property

Purchasing Property Subject to a First Lien Without

For Borrowers Trying To Get A Lower Interest Rate On Their First Loan

A Borrower Witholds Material Facts In A Loan Transaction

Intentional or By Accident?

My Soon-To-Be ex-Husband Applied for a Home Loan During Our Divorce

Trouble in Paradise

Procedures for Real Property Loan Transactions:

Best Practices

The State Of California Took Over The Development Approval Process

Leaving Local Municipalities with Only Ministerial Approvals

Can We Purchase Property Subject to a First Lien Without Notifying the Lender?

Obtaining a Loan Without Telling His Wife

Trouble in Paradise

Why is the Public Not Happy with Inflation?

Inflation Directly Erodes The Purchasing Power Of Our Dollars

Chapter VI - Private Money Lending: Licensing and Regulatory Oversight

Chapter V - Active participants in the lending process

Including third-party vendors.

Chapter III - Ask the Right Questions: Close Your Deal