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 talk about where to buy commercial real estate when the population is actually shrinking. We also have lots of cute, clean jokes, funny pics, and an interesting video that explains how astronauts go potty in space. Really.

Joke Du Jour

Little Tony was staying with his grandmother for a few days. He'd been playing outside with the other kids for awhile, when he came into the house and asked her, "Grandma, what is it called when two people are sleeping in the same room and one is on top of the other?" She was a little taken aback, but she decides to tell him the truth. "It's called making love, darling." Little Tony just said, "Oh, okay" and went back outside to the other kids. A few minutes later he came back in and said angrily, "Grandma, it is not called making love! It's called bunk beds! And Jimmy's mom wants to talk to you right now."

I Hear They Are Quite Tasty

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.

Electrons Joke

Professor Stein was lecturing his physics class. "If molecules can be split into atoms and the atoms split into electrons, can the electrons be broken down any further?" A pupil replied, "I'm not certain, but a sure way to find out would be to mail some of them in a Christmas package marked 'Fragile.'"

When the Population Starts To Shrink

In the old days, the way to get rich was to buy real estate and to simply wait for the population to grow and for the value of your real estate to skyrocket. Unfortunately for Europe and Japan, their populations are now shrinking. It takes around 2.3 children per couple to maintain a country's population, and the birth rate in both Europe and Japan is less than 1.6 children per couple.

The birth rate in the United States is slightly better, but its still only around 1.88. But for immigration, the population of the U.S. would be shrinking. Thomas Friedman, in his landmark book, The Next 100 Years, has predicted that when the Baby Boom Generation finally retires, many countries in the world will actually be competing for immigrants!

So where does the smart investor buy his commercial-investment property today? He invests in commercial property in the places where the most new jobs will be created - in gateway cities. What is a gateway city? Why do the big commercial lenders today only want to make their new commercial loans in gateway cities? Why do gateway cities create so many new jobs? It will all make sense to you once you have read this important blog article.

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

Children Are God's Greatest Blessing, John. You Should Be Dancing in the Street!

Tattoos Joke I

"As of today, Starbucks will allow their employees to display tattoos and ear gauges. Those are the round plugs that some people put in their ear lobe to let the world know their dads never played catch with them." -- Jimmy Kimmel

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.

Tattoos Joke II

"Scientists have discovered that a 5,000-year-old mummy is covered with at least 60 tattoos. Scientists are calling him the earliest known member of the NBA." -- Conan O'Brien

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.

Learner's Permit Joke

A teenager who had just received her learner's permit offered to drive her parents to church. After a hair-raising ride, they finally reached their destination. The mother got out of the car and said, "Thank you!" "Anytime," her daughter replied. As the woman slammed the door, she said, "I wasn't talking to you. I was talking to God."

Nominated For Dad of the Year By His Dog

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 fixed rate, 30-year fully-amortized loan. For more details, please call Tom Blackburne at (574) 210-6686.

Light Bulb Joke

Two factory workers were talking. "I know how to get some time off from work." said the man. "How do you think you will do that?" said the other one. He proceeded to show her...by climbing up to the rafters and hanging upside down. The boss walked in, saw the worker hanging from the ceiling, and asked him what on earth he was doing? "I'm a light bulb," answered the upside down guy. "I think you need some time off," said the boss. So the man jumped down and walked out of the factory. The second worker began walking out too. The boss asked her where did she think she was going? "Home," she replied, "I can't work in the dark."

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.

Mermaids Joke

Q: Why do mermaids wear seashells?
A: Because B-shells are too small and D-shells are too big.

Cool Video - How To Use the Bathroom in Space

There is no gravity in space. How do you make a number two?

On a Personal Note

This weekend is my 10 year high school reunion, which I am attending. For people my parent’s age, reunions were the sparse moments every few years where you get to see how all your classmates have changed and catch up on things. But for the people my age, with all the social media and technological advances, the reunion experience has changed dramatically. Via Facebook, I have stayed in touch with most all my classmates directly (or indirectly). I know who has the wall street jobs. I know who has started a family. I know who has let themselves go. This weekend should be interesting, though, as I will actually have to converse in person with these people. I am excited to see some of my long time friends and besides a few awkward moments, expect the weekend will be a blast!

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

A man was stopped by a game warden in Northern Minnesota recently with two buckets of fish leaving a lake well known for its fishing. The game warden asked the man, "Do you have a license to catch those fish?" The man replied to the game warden, "No, sir. These are my pet fish." "Pet fish?!" the warden replied. "Yes, sir. Every night I take these fish down to the lake and let them swim around for a while. I whistle, they jump back into their buckets, and I take em home." "That's a bunch of hooey! Fish can't do that!" The man looked at the game warden for a moment and then said, "Here, I'll show you. It really works." "Okay, I've got to see this!" the game warden replied. The man poured the fish in to the water and stood and waited. After several minutes, the game warden turned to the man and said, "Well?" "Well, what?" the man asked. "When are you going to call them back?" the game warden prompted. "Call who back?" the man asked. "The fish!" said the warden. Fighting to stifle a grin, the fisherman replied, "What fish?"

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