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 explain why commercial real estate is worth even more than before the Great Recession. We also have lots of cute, clean jokes, funny epics, and a nice video for you.

Joke Du Jour

"We used to play spin the bottle when I was a kid. A girl would spin the bottle, and if it pointed to you when it stopped, the girl could either kiss you or give you a dime. By the time I was 14, I owned my own home." -- Gene Perret

You Can't Even Trust G-Rated Movies These Days

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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? Need a non-recourse commercial loan? 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 private money commercial loan or call me, Tom Blackburne, at (574) 210-6686.

Last Request Joke

Mary Clancy goes up to Father O'Grady after his Sunday morning service, and she's in tears. He says, "So what's bothering you, Mary my dear?" She says, "Oh, Father, I've got terrible news. My husband passed away last night." The priest says, "Oh, Mary, that's terrible. Tell me, Mary, did he have any last requests?" She says, "That he did, Father." The priest says, "What did he ask, Mary?" She says, "He said, 'Please Mary, put down that darn gun...’"

Why Commercial Real Estate Is Even More Valuable

There is a concept in finance known as the quality of the income. Quality refers to how likely it is that the payments are going to be made. For example, if your property is leased to Apple Computer, it is pretty likely that you will be paid every month. If your tenant is Radio Shack or Circuit City, the quality of your income is horrible.

The Great Recession - in a concept described by the famous economist, Joseph Schumpeter, as creative destruction - cleared out several hundred thousand weak American businesses. These were the companies that were the most likely to default on their leases. The surviving companies laid off employees, pared expenses, reduced debt, and generally became leaner, meaner, and more profitable.

Therefore, even if his rents have not materially increased, the owner of a fully-occupied multi-tenant industrial building now owns an asset that is much more likely to enjoy an uninterrupted flow of rental income. His tenants are stronger. The weak tenants are gone. The quality of his investment is considerably higher.

Need a commercial loan? Simply complete this super-easy mini-app.

Honey, Why Are You Freaking Out?

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Monopoly Joke

Growing up as a kid, I learned all about capitalism through the board game, Monopoly. I mean, what better way to teach a young mind the way our economy functions. I loved this game and still do. Only now, as an adult I have some questions that remain unanswered. For instance, if I have all this money and I own all this real estate, why am I still driving around in a thimble?

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

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

The reason you need us is because banks are now requiring a 40% down payment on the purchase of most commercial-investment properties. To make matters worse, most banks today will not even 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 own first mortgages!

Please click here to apply for preferred equity or a private money commercial mortgage. You can also call me, Tom Blackburne, at (574) 210-6686.

Voicemail Joke

Sally was puzzled recently by the odd messages she kept getting on her voice mail. Day after day, all she'd hear from friends, family, and customers alike would be their message and then they'd ALL say, "BEEP." We were talking about something else at the moment, but I had her check her voice mail message anyway to see if there was a clue. She discovered the solution to the BEEP riddle when she dialed her own phone number. Her message said, "I'm not available right now, so please leave a beep after the message."

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 and no prepayment penalty. Please click here to submit a commercial bridge loan mini-app or call me, Tom Blackburne, at (574) 210-6686.

Ever Drive Your Cat Crazy Chasing a Laser Pointer?

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Sweet Apartment Program for "A" Deals

Blackburne & Sons has an incredible apartment loan program for "A" quality deals. 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.

Drunk Driver Joke

An Irishman who had a little too much to drink is driving home from the city one night, and, of course, his car is weaving violently all over the road. A cop pulls him over. "So," says the cop to the driver, "where have ya been?" "Why, I've been to the pub of course," slurs the drunk. "Well," says the cop, "it looks like you've had quite a few to drink this evening." "I did all right," the drunk says with a smile. "Did you know," says the cop, standing straight, and folding his arms across his chest, "that a few intersections back, your wife fell out of your car?" "Oh, thank heavens," sighs the drunk. "For a minute there, I thought I'd gone deaf."

Two Ways To Earn Referral Fees For Commercial Loans

This one is an absolute no-brainer. You simply put a link to C-Loans.com on your real estate website. We once paid a $21,250 referral fee to a guy who was asleep when the lead came in! Here are the details.

You can also referral commercial loans by hand. Here is our referral fee program.

Insurance Policy Joke

Larry's barn burned down and his wife, Susan, called the insurance company. Susan spoke to the insurance agent and said, "We had that barn insured for fifty thousand, and I want my money." The agent replied, "Whoa there, just a minute. Insurance doesn't work quite like that. An independent adjuster will assess the value of what was insured, and then we'll provide you with a new barn of similar worth." There was a long pause, and then Susan replied, "If that's how it works, then I want to cancel the life insurance policy on my husband."

Back To the Sixties Video

I enjoyed this video time capsule

On a Personal Note

This past Sunday, my girlfriend and I took advantage of the nice weather and our free time by volunteering at the Indianapolis Humane Society. We walked dogs, played with cats, and ultimately decided to commit to volunteering regularly. Hopefully, after a few more sessions, I will have built up the courage to walk some of the most troubled dogs, which predominately are pit-bull mixes. And while it is hard to establish a relationship with these animals, knowing most of them will be euthanized, it is gratifying knowing I had a small, yet relevant, part in their happiness.

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!

Final Funny

Mrs. Donovan was walking down O'Connell Street in Dublin when she met up with Father Flaherty. The Father said,"Top o' the mornin’ to ye! Aren't ye Mrs. Donovan, and didn't I marry ye and yer hoosband two years ago?" She replied, "Aye, that ye did, Father." The Father asked, "And be there any wee little ones yet?" She replied, "No, not yet, Father." The Father said, "Well now, I’m going to Rome next week, and I'll light a fertility candle for ye and yer husband." She replied, "Oh, thank ye, Father..." They then parted ways.

Some years later they met again. The Father asked,"Well now, Mrs. Donovan, how are ye these days?" She replied, "Oh, very well, Father!" The Father asked, "And tell me, have ye any wee ones yet?" She replied, "Oh yes, Father! Two sets of twins and six singles. Ten in all!" The Father said, "That's wonderful! And how's yer loving husband doing?" She replied, "E’s gone to Rome to blow out yer blessed candle!"

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 829677