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

Search Results

Consumer vs. Business Purpose Lending

Making The Distinction As Defined In Truth-In-Lending

Private Money Lending: Licensing and Regulatory Oversight

On Overview Of The Private Money Industry

Lien Priority-Recording Documents And Instruments

How The System Of Public Notice Recordation Works

Private Money Credit Approvals

Is An Industry Standards Process

Private Money, Hard Money, Loan Originations

Best Practices

Time Allocation

Use The 80/20 Principle

Speed Of Private/Hard Money: The Pivot

Private Money Lenders Can Close Loans Super Fast

Accidentally Building on Your Neighbor's Property

Terrible mistake Full Of Stress and Financial Misallocation

Cross Collateralization and Cross Default Provisions In Loan Documents

Asking For Additional Protective Equity

Subordination And Inter-Creditor Agreements

This Document Protects Both Parties

Land Parcels Containing Manufactured Homes

A Great Life Style for much Less Money and Off the Social Grid

The Property Lacks Easements for Ingress/Egress

There Is No Way To Get In And Out Of The Property

Lending on Non-Conforming Strip Retail Centers

Private Money Lenders Save the Day

Chapter V - Active participants in the lending process

Including third-party vendors.

Chapter II - Private Money, Hard Money, Loan Originations