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 teach you how to meet four wealthy commercial real estate investors every day. We also have lots of cute, clean jokes, some funny pics, and a video so hilarious that it almost killed me.

Joke Du Jour

I came across this exercise, suggested for seniors, to build muscle strength in the arms and shoulders. It seems so easy, so I thought I'd pass it on. The article suggested doing it three days a week. Begin by standing on a comfortable surface, where you have plenty of room at each side. With a 5-lb. potato sack in each hand, extend your arms straight out from your sides and hold them there as long as you can. Try to reach a full minute, then relax. Each day, you'll find that you can hold this position for just a bit longer. After a couple of weeks, move up to 10-lb. potato sacks. Then 50-lb. potato sacks, and then eventually try to get to where you can lift a 100-lb. potato sack in each hand and hold your arms straight for more than a full minute. Once you feel confident at that level, put a potato in each sack.

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.

Back Off! It's Mine-Mine-Mine.

Please insert Precious Pic here

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.

Ladder Joke

Two friends are talking, one says: “Man, I fell off a thirty-foot long ladder yesterday.” “Oh no, dude, are you alright?!” inquires the other one, shocked. “Yeah, I’m okay. I was only on the second rung at the time.”

Today's Tip: How To Meet Four New Commercial Real Estate Investors Every Single Day

I built a $50 million hard money commercial mortgage company (Blackburne & Sons) using the technique I will share with you today, so this is not hypothetical. This technique is a fabulous way to meet wealthy commercial real estate investors.

Early in my commercial mortgage career I recognized that the guys who owned the nicest cars and the biggest houses in commercial real estate finance were all in the hard money loan business. My problem was that I did not have any private mortgage investors to whom I could sell my commercial loans.

I was already working as a desk-and-a-phone commercial mortgage broker at the time. Every day I fielded a half-dozen calls from commercial property owners, responding to my advertisements, looking for a bank loan. I took careful notes of every conversation I had with one of these commercial real estate investors. It didn't matter if I closed a loan with them. I kept these notes even if I had just quoted a commercial loan to them.

Finally I was ready. I sent out a very clever and professional looking individually-word-processed letter to every wealthy investor on my list. Dear Dr. Smith: In June of 1982 I had the the pleasure of working with you on a $450,000 refinance on your 16-unit apartment building in San Jose. Today I want to talk to you about investing in 10% first trust deeds." Bam! Sixteen percent of these guys sent back their business reply cards expressing interest in my 10% first trust deeds, and I was off to the races.

Whenever I tell this story, my audiences are shocked that I turned my borrowers into lenders, but the reality is that an investor is an investor. Every hard money commercial loan that I closed during my first six years was funded by a small syndicate of former borrowers.

Now we finally get to your needs. You need more high-net-worth clients who want to buy or sell commercial real estate. You, as a commercial broker, should start brokering commercial real estate loans on the side. There is no easier way to meet wealthy commercial real estate investors than to be a commercial mortgage broker. (You might want to re-read that last sentence.) After all, most commercial properties are owned by wealthy investors. If you do a little advertising, you should be speaking with four to six new wealthy commercial real estate investors every single day.

Moral of the story: Open up a little commercial mortgage company inside your commercial brokerage office. It doesn't really matter if you ever close a commercial loan. The idea here is to meet wealthy commercial real estate investors. Do you need to learn commercial real estate finance a little better? This nine-hour video training course is exactly what you need.

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.

Red Baron, I Have Been Searching the Skies

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Optimist Joke

An optimist sees light at the end of a tunnel and thinks it’s an exit. A pessimist sees light at the end of a tunnel and assumes it is an onrushing train. The train conductor sees two drunken fools staggering on the train tracks.

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.

Vocabulary Joke

Q: What would you call a dinosaur with a surprisingly impressive vocabulary?
A: A thesaurus.

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.

Third Child Joke

When your first child eats some earth, a bit of grass or a worm, you take him to the doctor. When your second child eats some earth, a bit of grass or a worm, you spit on a hankie and clean it. When your third child eats some earth, a bit of grass, or a worm, you wonder whether it still needs lunch.

Freak Out

Please insert No Cat Pic here

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.

Accessory Joke

Q: Where’s the best place to hide a body?
A: Page two of Google. No one ever looks there.

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.

Golf Caddy Joke

My five-year-old nephew wanted to caddy for my brother's golf game. "You have to count my strokes," my brother told him. "How much is six plus nine plus eight?" "Five," answered the nephew. "Okay," my brother said, "Let's go..."

Video - Each Prank Gets Funnier

By the end I was laughing so hard that I was gasping for breath.

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 - Long But Fascinating

Young King Arthur was ambushed and imprisoned by the monarch of a neighboring kingdom. The monarch could have killed him but was moved by Arthur's youth and ideals. So, the monarch offered him his freedom, as long as he could answer a very difficult question. Arthur would have a year to figure out the answer and, if after a year, he still had no answer, he would be put to death. The question?...What do women really want?

Such a question would perplex even the most knowledgeable man, and to young Arthur, it seemed an impossible query. But, since it was better than death, he accepted the monarch's proposition to have an answer by year's end. He returned to his kingdom and began to poll everyone: the princess, the priests, the wise men and even the court jester. He spoke with everyone, but no one could give him a satisfactory answer.

Many people advised him to consult the old witch, for only she would have the answer. But the price would be high; as the witch was famous throughout the kingdom for the exorbitant prices she charged. The last day of the year arrived, and Arthur had no choice but to talk to the witch. She agreed to answer the question, but he would have to agree to her price first. The old witch wanted to marry Sir Lancelot, the most noble of the Knights of the Round Table and Arthur's closest friend!

Young Arthur was horrified. She was hunchbacked and hideous, had only one tooth, smelled like sewage, made obscene noises, etc. He had never encountered such a repugnant creature in all his life. He refused to force his friend to marry her and endure such a terrible burden; but Lancelot, learning of the proposal, spoke with Arthur. He said nothing was too big of a sacrifice compared to Arthur's life and the preservation of the Round Table. Hence, a wedding was proclaimed and the witch answered Arthur's question thus: What a woman really wants, she answered....is to be in charge of her own life.

Everyone in the kingdom instantly knew that the witch had uttered a great truth and that Arthur's life would be spared. And so it was, the neighboring monarch granted Arthur his freedom and Lancelot and the witch had a wonderful wedding. The honeymoon hour approached, and Lancelot, steeling himself for a horrific experience, entered the bedroom. But, what a sight awaited him. The most beautiful woman he had ever seen, lay before him on the bed. The astounded Lancelot asked what had happened. The beauty replied that since he had been so kind to her when she appeared as a witch, she would henceforth, be her horrible deformed self only half the time and the beautiful maiden the other half. Which would he prefer? Beautiful during the day...or night?

Lancelot pondered the predicament. During the day, a beautiful woman to show off to his friends, but at night, in the privacy of his castle, an old witch? Or, would he prefer having a hideous witch during the day, but by night, a beautiful woman for him to enjoy wondrous, intimate moments? What would YOU do?

Noble Lancelot, knowing the answer the witch gave Arthur to his question, said that he would allow her to make the choice herself. Upon hearing this, she announced that she would be beautiful all the time because he had respected her enough to let her be in charge of her own life.

Now, what is the moral to this story? The moral is, "If you don't let a woman have her own way, things are going to get ugly."

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