Dan J. Harkey

Master Educator | Business & Finance Consultant | Mentor

California Economy

"Onerous Laws & Regulations” and “Unintended Consequences” are the State’s Most Reliable Output.

A reality-based look at housing, lending, regulations, and the consequences nobody expected, nor budgeted for.

California isn’t just an economy—it’s a live experiment in what happens when ambition meets regulation, and regulation meets… more regulation. I break down what’s really driving outcomes in housing, insurance, construction, and credit—tracking the intended and unintended consequences all the way to NOI, DSCR, and deal viability. Humor included, because if you don’t laugh at policy irrational logic, you’ll end up crying into your escrow impound account.

Search Results

What We’ve Got Here Is A Failure to Communicate

The Communication is About How Mortgage Brokers Deliver Their Loan Transactions To Viable Lenders

There’s a Stranger in My House

The (stranger) in real estate lending is referred to as PACE or “Property Assessed Clean Energy” and HERO or “Home Energy Renovation Opportunity” loans

Private Money/Hard Money Overview

A Vital Subset Of The Real Estate Lending Industry

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

Even A Few Service Providers Have No integrity

Networking Professional Service Providers with Large Networks of Their Own

Are A Valuable Referral Sources For Private Money Lenders

Insurable Value vs Assessed Value

Valuation Methods and Purposes Differ Greatly

The Crucial Concept of Depreciation in Real Estate Ownership

Depreciation refers to the loss in property value from any cause. It results in diminished value reflecting the difference between the present value and the cost to reproduce or replace.

Real Estate (Private Money) Loan Documents and Related Disclosures

Real Estate Practitioners Should Obtain A Comprehensive Understanding Of The Loan Documentation To Carry Out Their Fiduciary Responsibilities To The Principals.

Celebrate the “No” in “National No Skin in the Game” Week

Just say “Sorry, but no” and smile with the awareness that you do not need the aggravation or future servicing problems!

Accidentally Building A Portion Of Your Structure On Their Property

On A Neighbor's Property That You Don’t Own

How Many Advertisements Are We Exposed To Each Day

Most advertisements constitute random noise in our lives.

The Verdict: A Pivotal Shift in Employment Matters Now involves the Executive Branch, not the District Courts.

A Monumental Win For The Trump Administration: A Game-Changing Verdict on Employment Matters.

The War Against The Deep State Entrenched Bureaucratic Apparatus

Anyone Who Thinks The War Is An Easy Task Must Rethink The Entrenchment of 100 Years In The Making

The Soon-To-Be Ex-Husband Found Rejection And Isolation

When He Tried To “F” Over His Soon-To-Be Ex-Wife

Europe Finds That Reliance On Renewables Comes With Frequent Systemic Collapses

The Grid Across Continental Europe Has Collapsed, Causing Blackouts through the entire region

Or, Whatever: As A Speech Habit

Is The Term, Whatever, A Fill Word Or Meant As A Deflection

Kick The Can Down The Road ( Delay Hard Activities Or Decisions)

Why Do Today What We Can Put Off Until Tomorrow?

Cross-collateralization: Encumbering Multiple Properties

and Cross-Default Provisions

Modifying Collateral Lien Positions By Mutual Written Agreement Between Principal Parties

Subordinations and Inter-Creditor Agreements

From a Mule-Driven Wagon To an 18-Wheeler.

We Have Come a Long Way With The Invention Of The Wheel.