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 large balance commercial loans. We also have lots of cute, clean jokes, some funny pics, and a funny video of Jeb Bush and Jimmy Kimmel at the Emmy's.

Joke Du Jour

Sherlock Holmes's sister, Ella, was a bit confused - not that she suffered from dementia or anything - she simply was a bit of an air head. She was always getting her two twins confused, even though they were fraternal, not identical, and everyone else could easily tell Patricia from Theresa. One day Sherlock's sister invited the great detective and his assistant to a piano recital that Patsy was to give the following evening. When she left, Sherlock's assistant said, rather bewilderedly, to Sherlock, "I didn't know that Patsy was studying the piano." To which Holmes replied, "Ella meant Terry, my dear Watson."

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.

Poor Little Guy

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

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? 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?

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.

Mail Lady Joke

This is George III, the old man. Cisca and I live in the country, thirty miles from the nearest major shopping district. We therefore order a ton of stuff from Amazon.com and and WalMart.com. Every day our mail lady drops off at least three packages.

Yesterday she showed up wearing a T-shirt, with "Mail Lady" written on the back. On the front it read, “I’m not saying I’m Santa Claus. I’m just saying that no one has ever seen me and Santa in a room together.”

Large Balance Commercial Loans

Let's define large balance commercial loans as the ones larger than $5 million.

George IV and I recently went to the Western States Commercial Real Estate Finance Conference in Las Vegas. Our new commercial loan portal, CommercialMortgage.com, generated a lot of buzz.

Because of the buzz, many of the big banks and big mortgage funds signed up to join C-Loans.com as lenders. By the end of the conference, nine new large balance commercial lenders ended up joining C-Loans for the first time. Therefore, if you happen to need a commercial loan larger than $5 million, be sure to enter it into C-Loans.com as soon as possible.

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

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

If you still can't find a commercial lender using C-Loans, then try CommercialMortgage.com. Keep in mind that the 3,159 commercial lenders on CommercialMortgage.com are different than the 750 commercial lenders on C-Loans.

In any case, you should come visit CommercialMortgage.com right now and take it for a free test drive. You do NOT need a real life commercial loan request.

Cat Just Love Batting Curios Off Shelves

Another Pirate Joke

Q: Why are pirates so mean?
A: No one knows. They just aaarrr!

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.

Breakfast Joke

At the diner, my breakfast arrived with only three sausages instead of the usual four. The waitress explained that the cook had dropped one and was making another. Soon the cook dashed out of the kitchen. "Here you are," he announced. "It's the missing link!"

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 35% to 40% down payment on the purchase of many 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 35% to 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.

Aunt Emma Joke

A couple's happy married life almost went on the rocks because of the presence in the household of old Aunt Emma. For seventeen long years she lived with them, always crotchety, always demanding. Eventually, the old girl passed away. On the way back from the cemetery, the husband confessed to his wife, "Darling, if I didn't love you so much, I don't think I would have put up with having your Aunt Emma in the house all those years." His wife looked at him aghast. "My Aunt Emma??!" she cried. "I thought she was your Aunt Emma!"

Not Gonna Do It. Wouldn't Be Prudent.

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.

Diet Joke

I don't mean to brag, but I finished my 14-day supply of diet food in 3 hours and 20 minutes...

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 Joke

"Give me golf clubs, fresh air and a beautiful partner, and you can keep the clubs and the fresh air." -- Jack Benny

Video - Jeb Bush At the Emmy's

At this week's Emmy Awards, Jeb Bush and Jimmy Kimmel played in a clever skit.

On a Personal Note

A couple weekends ago was my best friend's 30th birthday party. He is 3 months older than I, so I definitely played up the old man jokes the whole weekend. In an attempt to use the party as a venue to prove we 'still got it' despite our age, we decided to do an olympic themed birthday party. We had a mini triathlon of swimming, running, and biking set up within the little neighborhood, followed by a few less active games like corn hole (bean bags), football toss, and even badminton.

While we all had the best of intentions to prove turning 30 doesn't mean the beginning of the end, it was the 1st event of the triathlon that brought us all back down to earth. The first guy out of the pool face planted and had to go to the ER. I think it is safe to say that we all 'lost it' a long time ago!

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

I just did a week's worth of cardio after walking into a spider web...

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