Dan J. Harkey

Master Educator | Business & Finance Consultant | Mentor

Real Estate-Technical

Dan's articles focus on real estate, including technical issues, legal aspects, and market trends. His content also covers the ownership and operation of residential and commercial property, including property benefits, detriments, valuation, and the shifting landscape.

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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.

Accidentally Building A Portion Of Your Structure On Their Property

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

Deed of Trusts and Mortgage Investments In California

Overview Of The Licensing and Regulatory Scheme

Procedures for Procuring Loans To Earn Fees

Best Practices

A Successful Real Estate Career Is Both A Science Of Technical Methodologies And An Art Of Effective Techniques

Strategies for Successful Closing More Loans

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

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

Successor Co-Trustees of a Family Trust: They Dispise Each Other

Personal Agendas Get In The Way Of Making Rational Decisions When One Party Wants To Use Mom And Dad's Assets For Personal Gain

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

The Grandson Tries To Exploit Granny For Personal Gain

Financial Elder Abuse in America is at Crisis Proportions.

100s of New Bills Affecting Real Estate each Year in California

It would be virtually Impossible to read and comprehend in a State That Wants To control every Move When They Can Identify Assets.

Understanding The Concept Of Contributory Value of Adding Additional Land

The First Parcel Of Land Has An Appraised Value: The Second Parcel May Add Tremendous Value

The Borrower Pushes Back On Paying For Adequate Property Insurance

Fools rush in where wise men never tread

Loaning On Land Parcels Containing Manufactured Homes

A Cautionary Tale: Real Property vs Personal Property

How Do You Get In And Out Of This Property?

There Are No Land Easements for Entry and Exit

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

Construction Completion Loans Are A Good Business Strategy

“As-is” and “As-completed” Appraisals Are Required As Part Of The Underwriting

Lending On Owner-Occupied Commercial Buildings

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