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 examine the potential of industrial real estate to surge in value. We also have lots of cute, clean jokes, some funny pics, and a fascinating video from China.

Joke Du Jour

A murderer, sitting in the electric chair, was about to be executed. "Have you any last requests?" asked the Chaplain. "Yes," replied the murderer. "Would you hold my hand?"

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 a full 30-35% down to satisfy the bank.
   
   
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.

I Have Traveled Far and Wide

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.

Big Bucks Joke

Q: What do you get when you cross fifty female pigs and fifty male deer?
A: A hundred sows and bucks.

Today's Tip: Industrial Real Estate is Poised To Surge

This is old man Blackburne writing this section. Even though Blackburne & Sons is headquartered in Sacramento, I live in a tiny town in Indiana. My wife and I moved here to send our three kids to Culver Academies, a wonderful private high school.

In our tiny little town in the middle of the cornfields is a tool-and-die company that makes parts for the new Tesla Model Three, being assembled in Fremont, California.

Now if you believe that American entrepreneurs have stopped inventing whole new categories of products, then just ignore this article; but I submit that business owners have soured on out-sourcing their manufacturing and that more and more new products will be manufactured here in the U.S.

China has stolen too many of our processes and patents. It's hard to maintain quality when your manufacturing is 4,000 miles away. Supply chains are impossibly long. Short production runs are economically infeasible. Product changes (changing the color, for example) are difficult to make in the middle of a production run if the plant is 4,000 miles away. Affordable manufacturing robots often make cheap labor less important.

Multifamily rents are peaking right now, so apartments have probably enjoyed most of their big run. What class of real estate will be the next star? We here at Blackburne & Sons are syndicating and buying modern, multi-tenant industrial buildings in gateway cities with large universities and little nearby vacant land where competing buildings could be built.

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, subprime, or slightly-flawed commercial loan, simply complete this super-easy mini-app to Blackburne & Sons.

Dancing With the Stars

Bees Joke

Q: What kind of bees produce milk?
A: Boobies!

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.

Chicken Joke

A man runs to the doctor and says, "Doctor, you've got to help me. My wife thinks she's a chicken!" The doctor asks, "How long has she had this condition?" "Two years," says the man. "Then why did it take you so long to come and see me?" asked the shrink. The man shrugs his shoulders and replies, "We needed the eggs."

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.

Dish Joke

"The town of Clark, Texas has agreed to change its name to Dish, Texas after the dish network gave all of its residents free dish satellite TV for the next ten years. This is the sort of thing that can backfire on a town - just ask the people of Betamax, Wyoming." -- Jay Leno

Giving a Husky a Ruff Day. Ba-Da-Boom!

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.

Funny High School Analogies and Metaphors

He fell for her like his heart was a mob informant and she was the east river.

"Oh, Jason, take me!" she panted, her breasts heaving like a college freshman on $1-a-beer night.

It hurt the way your tongue hurts after you accidentally staple it to the wall.

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.

Polite Joke

"A man in Virginia went into a bank. He didn't have a weapon, and he wasn't wearing a mask. He just had a nice note that said, "I really need you to give me some money, please." And they gave it to him. Police call it robbery. He says it wasn't. I'm with the bank robber on this. If it was illegal to politely ask for things you don't deserve, I would not be the host of The Late Late Show." -- James Corden

Video - Fascinating!

Futuristic Chinese bus.

On a Personal Note

Last weekend, my little sister just finished up her junior year of high school at Culver Academies. At the end of junior year, there is a special ringing ceremony where every new senior gets ringed by someone near and dear to them. This year, my sister asked my brother and me to ring her. George, my brother, flew in from California just for this ceremony. It was incredibly special being asked to ring our little sister, and it was even more special for my sister to have her two older brothers there to support her. Once she finishes her senior year, she will be the 4th Blackburne to graduate from Culver Academies! We are all very proud of her.

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

An elderly man lay dying in his bed. Nearing the final curtain, he suddenly smelled the aroma of his favorite chocolate chip cookies wafting up the stairs. He gathered his remaining strength, and lifted himself from the bed. Leaning against the wall, he slowly made his way out of the bedroom, and with even greater effort forced himself down the stairs, gripping the railing with both hands. With labored breath, he leaned against the door-frame, gazing into the kitchen. Were it not for death's agony, he would have thought himself already in heaven: there, spread out upon newspapers on the kitchen table were literally hundreds of his favorite chocolate chip cookies. Was it heaven? Or, was it one final act of heroic love from his devoted wife, seeing to it that he left this world a happy man? Mustering one great final effort, he threw himself toward the table, landing on his knees in a rumpled posture. His parched lips parted; the wondrous taste of the cookie was already in his mouth; seemingly bringing him back to life. The aged and withered hand, shakingly made its way to a cookie at the edge of the table, when it was suddenly smacked with a spatula by his wife. "Stay out of those!" she said, "They're for the funeral."

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