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 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

Independent Real Estate Professionals: Synergies Between

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?

America: A Cultural Model For The World To Admire:

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

The Capitalization Approach to Income Property Valuation: A Crucial Tool for Real Estate Professionals

Income Valuation

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: Best Practices

Is An Industry Standards Process

Private Money, Hard Money, Loan Originations

Best Practices

Time Allocation: And The 80/20 Rule

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

Encumbering the Trust Property: The Co-Trustees (Two Sons) Want to Get A Loan Using The Trust Property As Collateral

Family Sticks Together And Solves The Problem

Lending on Non-Conforming Strip Retail Centers

Private Money Lenders Save the Day