Welcome to DanHarkey.com

Master Private Money Lending & Personal Growth with Expert Guidance

With over 50 years of experience, Dan J. Harkey has helped thousands navigate the complexities of real estate finance, private money lending, and personal development. Whether you’re an investor, entrepreneur, or seeking financial wisdom, Dan provides actionable insights to help you succeed.

Giving back to the real estate community and helping others is a proven method of developing lasting and sustaining relationships and friendships.

Dan brings a wealth of knowledge spanning back to 1972. In addition to a life teaching credential, and has owned and operated a successful real estate sales company, mortgage company, escrow company, general insurance brokerage, and property management company.

Dan J. Harkey is a distinguished real estate consultant and educator who has given 350 seminars and written hundreds of insightful articles, all designed to improve the lives of his student partners.

Start Exploring Dan's Expert Articles on Business Growth, Private Money Strategies, Real Estate, Finance, and Personal Development

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How Can Dan Help You Today?

Private & Hard Money Lending Insights

Understand market trends, risk assessment, and profit potential
Learn proven strategies to maximize returns
Gain exclusive access to expert analysis from an industry veteran

Real Estate & Economic Trends

Navigate the evolving landscape of real estate finance
Make informed investment decisions with expert guidance
Stay ahead with in-depth economic insights

Reinventing Yourself & Personal Growth

Overcome challenges and embrace change with confidence
Develop resilience and unlock your full potential
Discover strategies for long-term personal and professional success

What Others Are Saying

Dan provides the reader with a vast amount of useful information. Based on his life experience in the lending and real estate fields, I consider him a source of sound, consistent information.

— Bob Hawkin

Why Learn from Dan?

50+ Years of Experience in real estate finance & lending
350+ Seminars & Hundreds of Published Articles
Successful Entrepreneur – Mortgage, escrow, insurance, & property management
Proven Track Record – Helping investors & professionals build wealth

Dan's Latest Articles

Articles written by Dan Harkey contained in the website are for educational purposes only and are not intended to be comprehensive. Some articles contain opinions expressed by Dan Harkey that may be inconsistent with the views of others.

Dan Harkey’s articles are Not to be construed or relied upon as legal or accounting advice. Each subject written about is complex and may require the advice of qualified professionals in the subject areas discussed.

Qualified professionals typically include, attorneys, accountants, appraisers, architects; and environmental, soils, structural, and civil engineers. Consultation with title insurance and escrow officers; with construction, development, and other business experts may also be appropriate.

Fact or Fiction: Subordination of Liens and Encumbrances

“Yes, the lien holder will subordinate.” Is this statement true, or is it someone’s wishful illusion?

Eliminate Time Wasters in Personal Life and Business

A Good Percentage of Our Days is Spent Flittering Around Without Getting Results: The question remains, why?

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.

Installing “Bolt-Ons” is Becoming Commonplace.

The term “Bolt-Ons” is a versatile concept that applies to a wide array of apparatuses, sparking curiosity and a sense of open-mindedness in the reader

Have you ever found yourself in a situation where guests or relatives seem to prolong their stay? It's a familiar scenario that many of us can relate to.

Every visit follows a distinct pattern. It begins with a joyful phase of catching up and strengthening the relationship, then transitions into a phase where the guest or relative starts to feel at home in your space.

SB 1123: Planning and Zoning: Subdivisions: Ministerial Review.

This new law was signed into law on September 19, 2024 by California’s Governor Gavin Newsom and became effective July 1, 2025.

How Important Are The “5-C’s” in Credit Approval Decisions

The credit approval process is characterized by industry standards, best practices, related litigation references, and regulatory requirements from both state and federal levels.

The California Legislature allows the State to live with a backdrop of Marxist corruption.

“Los Angeles is one of countless examples of how the public sector will virtue signal to rob Peter, not to pay Paul, but to pay themselves, as they are not hiding the corruption.”

Dan J. Harkey

Educator & Private Money Lending Consultant