You are receiving this letter because you either wrote to us or you are a commercial real estate broker client of either Blackburne & Sons or C-Loans, Inc. Today we'll show you how to get your buyers into commercial-investment properties with a smaller downpayment. We also have lots of cute, clean jokes, several funny pics, and an interesting video for you.

Joke Du Jour

A woman was having a passionate affair with an inspector from a pest-control company. One afternoon they were carrying on in the bedroom together when her husband arrived home unexpectedly. "Quick," said the woman to her lover, "into the closet!" and she pushed him in the closet, completely without clothes. The husband, however, became suspicious and after a search of the bedroom discovered the man in the closet. "Who are you?" he demanded. "I'm an inspector from Termite Busters," said the exterminator. "What are you doing in there?" the husband asked. "I'm investigating a complaint about an infestation of moths," the man replied. "And where are your clothes?" asked the husband. The man looked down at his missing clothes and said, "Those little devils!"

Hey, Dude, Got Any Munchies?

Buying or Selling a Commercial Property? We'll Help Your Buyer With His Downpayment!

No one else in the entire country does what we do. We add our equity dollars - not debt dollars - to your buyer's downpayment to create a downpayment large enough to satisfy the bank.

The reason you need us is because banks are now requiring a 40% downpayment on the purchase of a commercial-investment property. To make matters worse, most banks today will not allow the seller to carry back a second mortgage.

Does your buyer really want to put down 40% of the purchase price? Our small-balance preferred equity solves your problem. Please click here for more information about our preferred equity.

Blackburne & Sons (est. 1980) is a commercial private money lender. We will allow second mortgages behind our first mortgages!

Please click here to submit a hard money commercial loan or call me, Tom Blackburne, at (574) 210-6686.

Coroner Joke

"The easiest job in the world has to be coroner. Surgery on dead people. What's the worst thing that could happen? If everything went wrong, maybe you'd get a pulse." -- Dennis Miller

Private Money Commercial Loans Nationwide From $100,000 to $3.5MM

Is your client's commercial property partially vacant? Do you need a lender who will allow the seller to carry back a second mortgage? Does your client have a balloon payment coming due on his commercial property? Has your bank offered him a discounted pay-off? Does your borrower have less-than-stellar credit? Is your client's company losing money? We make slightly scratched-and-dented commercial loans.

Our hot, new product is a blanket loan against a portfolio of rental homes. Rental homes? Yup, as long as there are at least five homes or units, we consider this to be a commercial loan. We even offer a partial release clause. This loan is ideal for speculators.

Here is our latest rate sheet.

Blackburne & Sons is looking for commercial real estate loans that are not quite clean enough for a bank. Please click here to submit a hard money commercial loan or call me, Tom Blackburne, at (574) 210-6686.

Red Lights Joke

Two elderly women were out driving in a large car - both could barely see over the dashboard. As they were cruising along, they came to an intersection. The stoplight was red, but they just went on through. The woman in the passenger seat thought to herself "I must be losing it. I could have sworn we just went through a red light." After a few more minutes, they came to another intersection and the light was red again. Again, they went right through. The woman in the passenger seat was almost sure that the light had been red but was really concerned that she was losing it. She was getting nervous. At the next intersection, sure enough, the light was red and they went on through. So, she turned to the other woman and said, "Mildred, did you know that we just ran through three red lights in a row? You could have killed us both!" Mildred turned to her and said, "Oh, my! Am I driving?"

One Point Commercial Bridge Loans

Suppose you have listed a commercial property for sale, and the seller is getting antsy. You can often hold him off long enough to find a buyer by getting him a bridge loan. Blackburne & Sons offers a six-month bridge loan for just one point. Please click here to submit a commercial bridge loan mini-app or call me, Tom Blackburne, at (574) 210-6686.

A Dog Once Bit Cat Norris...After Two Agonizing Days, The Dog Finally Died.

New Apartment Program for "A" Deals

Because we have been in the commercial mortgage business for over 34 years, and because we own CommercialMortgage.com, Blackburne & Sons has been allowed to join just five other mortgage bankers to offer an incredible new apartment loan program for "A" quality deals. These loans close in our name and are sold to an institutional investor which purchased almost $400 million in apartment loans last year.

The rate is adjusted according to the desirability of the property and the area, but it starts at 3.87% and 1 point for a 30-year fully-amortized loan. For more details, please call Tom Blackburne at (574) 210-6686.

Meteor Joke

"As a jet was flying over Arizona on a clear day, the copilot was providing his passengers with a running commentary about landmarks over the PA system. "Coming up on the right, you can see the Meteor Crater, which is a major tourist attraction in northern Arizona. It was formed when a lump of nickel and iron, roughly 150 feet in diameter and weighing 300,000 tons, struck the earth 50,000 years ago at about 40,000 miles an hour, scattering white-hot debris for miles in every direction. The hole measures nearly a mile across and is 570 feet deep." The lady sitting next to me exclaimed: "Wow, look! It just missed the highway!"

Too Busy to Broker Commercial Loans to Us? Why Not Just Refer Them Instead? We Make It Easy!

We once paid a $21,250 referral fee. Here is our referral fee program.

Amazing Video of a Woman Playing a Turtle Shell

One minute into this unusual video you will be amazed. It's called an Ovni Drum.

On a Personal Note

My baby sister, Jordan, turned 16 years old this week (yes, I said baby sister!). Having no idea what to get a 16 yr old girl (other than a car, which wasn't an option), I struggled for days to think of what to get her. Finally, I decided to take her and our mom to a Lady Antebellum concert in Indianapolis. If you are not familiar with Lady Antebellum, they are a very popular country music band. I've never been a country music fan, and I hadn't been to a concert in about 10 years - So, I was not really sure what to expect outside of cowboy hats and daisy dukes. But I went in with an open mind, and within the first few minutes of the opening act, (some guy I've never heard of) I found myself tapping my feet and clapping my hands. By the time Lady Antebellum took stage, I was able to even get our mom into it! I do not know if it was more the cocktails or the music, or the three of us dancing around making fools out of ourselves but we had a marvelous time. It is moments like these that my family, especially my teenage sister Jordan, will remember for years to come.

Don't Forget About C-Loans.com

We have a whole new crop of hungry commercial lenders on C-Loans, so if you have a commercial loan you're trying to place, it takes just four minutes to submit your deal to 750 commercial lenders. And remember, C-Loans.com is free!

Drought Joke

"A professor from U.C. Berkeley said we are on track for having the worst drought in 500 years. You can tell this drought is getting really bad. Today at lunch, my waiter asked if I wanted a glass of water or a future for my children. I took the water." -- Conan O'Brien

Contact Information

4811 Chippendale Drive, Suite 101, Sacramento, CA 95841 telephone: (574) 210-6686 * Fax: (916) 338-2328
Real Estate Broker -- California Bureau of Real Estate -- License Number 01330173