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Opinion & Perspective

Dan’s take on how things really work, consequences, and comedy (occasionally in that order).

If you’ve ever felt the official story doesn’t match what you’re seeing, you’re not alone.  Markets and policies don’t just “happen”—they create outcomes.  Some intended.  Many not.

I break down what’s going on (and what’s driving it) with sharp observations, plain-English logic, and a bit of humor—sifting through the noise to get to the truth.

The American Enterprise

A contrarian look at America’s economy, government, and leadership—minus the PR gloss.

Mainstream narratives are often comforting…and frequently wrong.  Here you’ll find grounded, independent analysis that challenges groupthink and helps you trust your own judgment.

Expect practical workarounds and strategies for navigating the real world, not the brochure version.

California Economy

What is California known for besides the best weather in the world?

“Onerous laws & regulations” and “unintended consequences” are California’s most reliable output.

California is a live experiment in what happens when ambition meets regulation…and regulation meets more regulation.  I track the intended and unintended impacts across housing, insurance, construction, and credit—down to NOI, DSCR, and deal viability.

Humor included—because if you don’t laugh at policy logic, you’ll end up crying into your escrow impound account.

Personal Growth & Development

Practical guidance for better results in your work, your time, and your life.

If you’ve collected enough advice to fill a bookshelf but still feel like your calendar owns you, you’re in the right place.  These articles focus on what actually moves the needle: clarity, goals, time allocation, sales and relationships, negotiation, and reinvention.

Less inspirational theater.  More execution.

Private & Hard Money Lending

Valuable insight on private and hard money lending—structure, risk, and defensible outcomes.

Private lending runs on trust—and strong deals don’t “appear,” they’re engineered.  Brokers and agents align Borrower needs with investor requirements while anchoring decisions to collateral, risk, and an executable exit strategy.

This category covers structuring, underwriting, documentation, and the real-world issues that determine whether a deal performs.

Real Estate Technical

Real estate insight on the issues that move value—legally, operationally, and financially.

Real estate isn’t just “location.” Its contracts, compliance, conditions, valuation, liability, and the details that turn good deals into expensive lessons.

Most deals don’t fail on headline numbers—they fail in the fine print.  This category focuses on the real mechanics that protect value and performance.

Humor

Stories, one-liners, and satire that make the point—and make you laugh.

These posts deliver witty commentary drawn from real estate, lending, private money, government policy, bureaucracy, and the economy.

Expect sharp takes on incentives and second-order effects—the stuff that shows up after the announcement… usually with a bill attached.

Real Estate Finance

Where deals either pencil—or they don’t.

This category covers the money side of real estate: rates, credit, underwriting, leverage, DSCR, cap rates, reserves, cash flow, and risk.

You’ll find practical frameworks for mortgage lending, private/complex structures, refinance strategy, and how policy shifts quietly reprice assets—with plain-English explanations and a little humor.