Dan J. Harkey

Master Educator | Business & Finance Consultant | Mentor

Real Estate Finance

Real Estate Finance insights for owners, lenders, and real estate pros—rates, credit, underwriting, leverage, DSCR, cap rates, cash flow, and risk

Real Estate Finance is where deals either pencil—or they don’t. This category covers the money side of real estate: interest rates, credit markets, underwriting standards, leverage, debt service, DSCR, cap rates, cash flow, reserves, and risk. You’ll find practical insight on mortgage lending, private and complex money structures, refinance strategy, and how policy and market shifts quietly reprice assets. Expect clear explanations, real-world frameworks, and a little humor—because nothing reveals “reality” faster than a loan term

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Loaning On Land Parcels Containing Manufactured Homes

A Cautionary Tale: Real Property vs Personal Property

You Can’t Take Your Loan To The Bank As Easy As You Think

Unless You Are Willing To Jumping Through The Hoops To Get A Loan

A Real Property Borrower Operates With No Skin in the Game

Maximum Leverage Can Be Beneficial or Can Be Used to Can Be Used to Transfer the Risk to the Lender

The Trade War Is a War For Economic Dominance

Eventual solutions will see a recalibration of trading partners suitable for all participants.

Lending On Owner-Occupied Commercial Buildings

Underwriting a loan comes with a few special issues to deal with

Purchasing Valued-Added Real Property

California Has Taken a Top-Down Approach to The Development Approval Process

Leaving Local Municipalities with Only Ministerial Approvals

Some Borrowers Intentionally Withold Material Facts

During The Loan Submittal Process

Private Money/Hard Money Real Property Loans

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

Legal vs Equitable Ownership in Real Property

As It Relates to a “Due On Encumbrance” Provision In A Deed of Trust

Assessing Private Money Loan Transactions

Evaluating The Viability Of Approval and Closing

Real Property Easements

The Purpose & The Risks

Organize Your File And Create An Executive Loan Request Summary:

How to Submit a Loan Transaction to a Funding Broker

Subordination of Liens and Encumbrances

Is Someone’s Willingness to Subordinate Fact or Fiction?

Loaning to Borrowers with Material Liens, Encumbrances, and Judgments to Clear Up

Working Through The Problems With Highly Skilled Mortgage Brokers Is A Must

Loaning On Small Owner-Occupied Commercial Buildings

The Building is Owned By The Trustee Of The Trust. The Occupant is Ownes His Business As An S-Corportion

Synergies Between Independent Professionals

Are Required To Close Loans

Can We Purchase Property and Take Over the Seller's 3% Loan?

Without Notifying the Lender Who Holds The Loan?

Returning America To A Cultural Model For The World To Admire

My Days and Nights are Illuminated With a Renewed Sense of Optimism and Delight

Consumer vs. Business Purpose Lending

Making The Distinction As Defined In Truth-In-Lending