AB-1212, authored by Assembly Member Allister McAllister, highlights the critical role of real estate and mortgage brokers in “Hard Money” loans and outlines requirements to ensure compliance and protect their practices.

AB 3108: Expands Criminal Liability for Real Estate and Mortgage Brokers

Introduction to Income Property: Lender Underwriting Guidelines and Practices Chapter III

Commercial Loan Structures & Strategies: Guide for Income Property Investors (2026 Edition)

Introduction to Income Property: Lender Underwriting Guidelines and Practices Chapter II: Income Property Classifications

Constructive Fraud-Technical Read

Constructive Fraud is a legal concept that applies when a fiduciary relationship exists and the fiduciary breaches duties in a way that misleads or harms the principal, even if there was no intent to deceive. Getting tagged by some ideological zealot judge is easier than you think. The successful businessperson is always suspected, while the consumer is often overlooked or forgiven for their actions, such as a defaulted real estate loan.

AB 36 California: How Permanent Pro Housing Rules Are Rewiring Local Incentives—and What Comes Next- Technical Read

AB-36 California: Strengthening Pro-Housing Designations for Local Jurisdictions- Quick Read

Introduction to Income Property Lender Practices and Underwriting: Chapter I, Section II

Introduction to Income Property Lender Practices and Underwriting Chapter I, Section I

Book published by Dan Harkey

Income Diversification Strategies for Mortgage Brokers

Government as Racket: How Power, Policy, Access, and Paydays Converge

When people say “the system is rigged,” they may be closer to a macro truth than a slogan. Here’s the evidence-driven anatomy of how public authority routinely converts into private gain—and what it would take to unwind the racket.

How California Legislative Bills Get Proposed, Written, and Submitted for Approval.

California’s Housing Revolution: How Federal Mandates and Progressive Policies Are Reshaping Property Rights and Suburban Life

California housing policy, AFFH regulation, real estate lending crisis, suburban zoning changes, erosion of property rights, HUD mandates, progressive housing agenda, decline of commercial real estate, and threat to suburban lifestyle.

(The Borrower’s Playbook) How to Find, Vet, and Negotiate with Private Lenders: The Key to Secure and Confident Real Estate Financing

The Road Less Traveled. Lessons in Real Estate Finance. “Life is difficult.” — M. Scott Peck.

Markets shift—insurance costs spike. Regulators rewrite the playbook. These are the challenges that real estate finance professionals face regularly.

AB-130: The New California Law that States That a Homeowner Association Fee Violation cannot be more than $100?

Abusive HOA practices: Some homeowner associations harass their property owners with continuous fee assessments for every little thing. The propensity is irritating and makes property owners feel like another big brother is watching and harassing them. The practice is abusive and creates a bureaucratic infrastructure that supports itself on the backs of homeowners.

Debt Monsters-Credit Cards-Locked into A Spiral of Dread

The current state of credit card defaults is not just a concern; it’s alarming. We’re witnessing the highest rates in 14 years, a stark reminder of the 2007-08 meltdown.

Insurance Companies: Admitted vs. Non-Admitted

Here’s the difference between admitted and non-admitted insurance carriers in California:

How Are FICO Scores Calculated, and Why Are They Important?

✅ How FICO Scores Are Calculated