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 tell you why you should treasure and hoard your perfect commercial loan requests. We also have lots of cute, clean jokes, some funny pics, and a nice flash mob video.

Joke Du Jour

An old man was critically ill. Feeling that death was near, he called his lawyer. "I want to become a lawyer. How much is it for the express degree you told me about?" "It's $50,000," the lawyer said. "But why? You'll be dead soon. Why do you want to become a lawyer?" "That's my business! Get me the course!" Four days later, the old man got his law degree. His lawyer was at his bedside, making sure his bill would be paid. Suddenly, the old man was racked with fits of coughing, and it was clear that this would be the end. Still curious, the lawyer leaned over and asked, "Please, before it's too late, tell me why you wanted to get a law degree so badly before you died?" In a faint whisper, as he breathed his last, the old man said, "One less lawyer…"

Only Blackburne & Sons Can Do This:

Blackburne & Sons has some truly unique and super cool programs:

1. We'll give you a bridge loan on your commercial property for only one point! There is no prepayment penalty.
   
   
2. We are the only lender in the country offering small balance preferred equity. We'll raise as little as $100,000 if your client can't come up with 30-35% down.
   
   
3. We offer private money (loosey-goosey underwriting) commercial loans with a 15 year term. Our competitors offer 2 to 3 year bridge loans. We offer 15-year permanent loans with no prepayment penalty. Never again will you have a balloon payment come due during a recession.
   
   
4. We have a terrific apartment permanent program that can compete with Agency loans.
   
   
5. We buy commercial first mortgages (usually at a discount).
   
   
6. But instead of discounting your wonderful commercial first mortgage, consider pledging it as collateral for a smaller loan. This is called a hypothecation. We make loans secured by mortgage notes owned by the borrower.

First They Seduce You With Their Cuteness, and Then They Own You.

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

Do you need a commercial loan with no prepayment penalty? Is your client's commercial property partially vacant? Do all of your commercial leases run out in the next 18 months? Do you need a lender who will allow a negative cash flow? Do you need a lender who will also look at the borrower's global income - income from salaries, other investments, etc.? 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? Is your borrower a foreign national? Do you need a non-recourse loan?

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.

Manyana Joke

Spanish singer Julio Iglesias was on television with British TV host Anne Diamond when he used the word "manyana." Diamond asked him to explain what it meant. He said that the term means "maybe the job will be done tomorrow, maybe the next day, maybe the day after that. Perhaps next week, next month, next year. Who cares?" The host turned to Irishman Shay Brennan, who was also on the show, and asked him if there was an equivalent term in Irish. "No. In Ireland we don't have a word to describe that degree of urgency," replied Brennan.

Treat Your Perfect Commercial Loan Request Like a One-Day Pass To Heaven

The typical commercial loan officer working for a bank closes 60% to 70% of his loans for just five or six commercial real estate brokers or mortgage brokers. If you can ever become a "best broker" for a commercial lender, your buyers will be able to get the cheap financing that allows those difficult deals to get done.

So how do you become a "best broker" for a commercial lender? The easiest way is to close a deal with him! The warm afterglow of that closing will often continue on for years.

Now we get to the point of today's article. Suppose your have a perfect commercial loan request. The property is gorgeous, and your buyer is coming out of an exchange, so he has 38% of the purchase price to put down. This commercial loan request is a slam-dunk!

Don't just choose a bank for this slam-dunk commercial loan request willy-nilly. This slam-dunk loan request is immensely valuable to you. The wise commercial broker only submits his slam-dunk commercial loans to bankers who can give the broker approval and after approval on future deals. Usually this means a good-sized bank near your office.

If you need a bank-quality commercial loan right now from a life company, commercial bank, or conduit, you should enter your deal into C-Loans.com.

If you need a non-prime or subprime commecial loan, simply complete this super-easy mini-app to Blackburne & Sons.

Life Isn't Fair - Everyone Should Learn Early

Saucer Joke

A famous art collector is walking through the city when he notices a mangy cat lapping milk from a saucer in the doorway of a store. He does a double take. He knows that the saucer is extremely old and very valuable, so he walks casually into the store and offers to buy the cat for two dollars. The store owner replies, "I'm sorry, but the cat isn't for sale." The collector says, "Please, I need a hungry cat around the house to catch mice. I'll pay you 20 dollars for that cat." And the owner says "Sold," and hands over the cat. The collector continues, "Hey, for the twenty bucks I wonder if you could throw in that old saucer. The cat's used to it, and it'll save me from having to get a dish." The owner says, "Sorry buddy, but that's my lucky saucer. So far this week I've sold sixty-eight cats."

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.

Henry VIII Joke

Q: Why was the ghost of Anne Boleyn always running after the ghost of Henry VIII?
A: She was trying to get ahead!

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.

Mailman Joke

"Guess what I heard today?" a man says to his wife. "What, hon?" she asks. "The mailman has seduced every woman on our block but one." "Huh," his wife says, "I bet it's that stuck-up Phyllis next door."

My Cat Loves to Loudly Announce His "Amazing" Kills - Some Tiny Vole - At 3:00 in the Morning

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.

Cinderella Joke

Q: What did Cinderella say to the photographer?
A: Someday my prints will come.

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.

Steps Joke

Q: What steps would you take if a madman came rushing at you with a knife?
A: Great big ones!

Video - Ode To Joy Flash Mob

When this little girl walked up to a street musician and put some money in his hat, no one had any idea what she had just started.

On a Personal Note

My daughter will be attending Kindergarten in the fall. I have had a difficult time determining which school to choose in my district. While it is only kindergarten, children develop the most during these crucial early years. After touring a handful of schools, and a lot of back and forth, I finally may have one picked out. My concern now is teaching my daughter about bullies. While I do not condone violence, I know the Crouching Tigers Karate classes she is enrolled in will give me some peace of mind. I am hopeful the lessons will help with her confidence, too.

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 - Oldie But a Goodie

God Said, "Adam, I want you to do something for Me." Adam said, "Gladly, Lord, what do You want me to do?" God said, "Go down into that valley." Adam said, "What's a valley?" God explained it to him. Then God said, "Cross the river." Adam said, "What's a river?" God explained that to him, and then said, "Go over to the hill...." Adam asked, “What is a hill?" So, God explained to Adam what a hill was. He told Adam, "On the other side of the hill you will find a cave…" Adam asked, “What's a cave?” After God explained, He said, "In the cave you will find a woman." Adam said, "What's a woman?” So God explained that to him too. Then God said, “I want you to reproduce." Adam said, "How do I do that?" God first said (under His breath), "Geez....." And then, just like everything else, God explained that to Adam as well. So Adam goes down into the valley, across the river, over the hill, and into the cave, where he finds the woman. Then, in about five minutes, he was back. God, His patience wearing thin, said angrily, "What is it now?" And Adam asked... "What's a headache?"

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