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 how you can get a free copy of The Blackburne List of 2,500 Commercial Real Estate Lenders. We also have lots of cute, clean jokes, some funny pics, and a wonderful movie video that I guarantee will bring a smile to your face.

Joke Du Jour

My mother says she never holds grudges, but then she will blindside you with something that happened years ago. Last week she said, "You know, you really hurt me on your birthday." And I was like, "Which birthday was that?" So she replied, "The first one. You have a really big head, you know."

Free Copy of The Blackburne List

The Blackburne List is a list of over 2,500 commercial lenders located nationwide. We just spent almost $30,000 and three months updating this list.

The Blackburne List is available for purchase for just $79.95. Is money tight? You can also buy one of our three Regional Lists (750+ lenders) for just $39.95. But why spend money at all?

We will trade you one of our three Regional Lists for the contact information of just one banker making commercial real estate loans. If you refer us three bankers, you will own the list for all three regions. Together you will own the entire Blackburne List.

There is another way that you can access The Blackburne List. Our newest portal, CommercialMortgage.com, is an online way to search the entire Blackburne List for the 30 lenders most suitable to make your loan. Use of CommercialMortgage.com is also 100% free!

Panda Fail

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 allow sellers to carry back a second mortgage behind our first mortgage.
   
   
3. We will actually lend up to a 75% loan-to-value ratio. Banks claim they will lend up to 75% LTV, but in real life they will only go 68% LTV.
   
   
4. 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.
   
   
5. 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.
   
   
6. We have a terrific apartment permanent program that can compete with Agency loans.
   
   
7. We buy commercial first mortgages (usually at a discount).
   
   
8. 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.

Biting Nails Joke

When I was around 4 years old, I was biting my nails pretty badly. My mother showed me a picture of a child with a very swollen belly due to malnutrition. "That will happen to you if you keep biting your nails," she told me. Later that week we were in the supermarket standing in line at the checkout counter behind a lady who was obviously 9-months pregnant. I pointed to her and, in a very loud voice, I said, "We know what she's been doing, don't we Mommy?" Have you ever seen your mother try to crawl under a cash register and hide?

Nice Try, Though

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

Do you need a purchase money lender who will actually go to 75% loan-to-value? 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? 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.?

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.

Caterpillar Joke

Q: What's a caterpillar's worst enemy?
A: A dogerpillar!

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

Patient: "My stomach is getting awfully big, doctor."
Doctor: "You should diet."
Patient: "Really? What color?"

Do You Need a Commercial Loan Right Now?

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.

Egg Roll Joke

How do you make an egg roll?
A: You push it!

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.

Lightning Struck This Grass

Old is...

...your friends compliment you on your new alligator shoes, and you’re barefoot.

...a hot babe walks by, and your pacemaker opens your garage door.

...you remember when the Dead Sea was only sick.

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.

10 Rabbits Joke

Q: What do you call 10 rabbits walking backwards?
A: A receding hare line.

Two Ways To Earn Referral Fees For Commercial Loans - We Once Paid $21,250.

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.

Video - Nobody Gets Out of Here Without Singing the Blues

I recently flashed on an old movie starring Elizabeth Shue when she was young, Adventures in Babysitting. Elizabeth is babysitting three young people, when she is forced to drag them into the big city. Stuff happens, and soon she and the kids finds themselves being chased by two killers. Fleeing through a less-affluent part of town, she and the kids run into a jazz club. The people there are kind, but when she tries to leave, several big men stand over her and say, “Nobody gets out of here without singing the blues.” Elizabeth is forced onto to the stage and made to compose a brand new jazz song on the spot. To the delight of the jazz club crowd and the theater audience, this lovely, terrified young woman nails it. Ha-ha!

Guaranteed to put a smile on your face.

On a Personal Note

This past weekend was what my girlfriend likes to refer to as her 'birthday weekend". What that means is she got a whole weekend of celebrating her birthday. (This was a good compromise from her birthday week* recommendation). I surprised her with Indianapolis Pacers tickets, which admittedly doubled as a gift to myself! Like many athletic stadiums, Banker's Life Fieldhouse is located right downtown. And being that we both are in Real Estate, it is always interesting for us to see how entire city blocks go from unlivable to completely rehabbed seemingly overnight. The city of Indianapolis is growing rapidly. In the past few years, I've even personally originated loans in downtown Indy, secured by 5+ single family residences. So if you need a loan and own 5 or more rental properties, please give me a call. I can lend nationwide!

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 contestant on "Who Wants to be a Millionaire?" had reached the final plateau. If she answered the next question correctly, she would win $1,000,000. If she answered incorrectly, she would pocket only the $32,000 milestone money.

And as she suspected it would be, the million-dollar question was no pushover. It was, "Which of the following species of birds does not build its own nest, but instead lays its eggs in the nests of other birds? Is it A) the condor; B) the buzzard; C) the cuckoo; or D) the vulture?" The woman was on the spot. She did not know the answer. And she was doubly on the spot because she had used up her 50/50 Lifeline and her Audience Poll Lifeline.

All that remained was her Phone-a-Friend Lifeline. The woman hoped she would not have to use it because... her friend was, well... blonde. She had no alternative. She called her friend and gave her the question and the four choices. The blonde responded unhesitatingly: "That's easy. The answer is C: The cuckoo."

The contestant had to make a decision and make it fast. She considered employing a reverse strategy and giving Regis any answer except the one that her friend had given her. And considering that her friend was a blonde, that would seem to be the logical thing to do. On the other hand - the blonde had responded with such confidence, such certitude, that the contestant could not help but be persuaded. I need an answer," said Regis.

Crossing her fingers, the contestant said, "C: The cuckoo." "Is that your final answer?" asked Regis. "Yes, that is my final answer." Two minutes later, Regis said, "That answer is ... absolutely correct! You are now a millionaire!" Three days later, the contestant hosted a party for her family and friends including the blonde who had helped her win the million dollars. "Jenny, I just do not know how to thank you! ," said the contestant. "How did you happen to know the right answer?" "Oh, come on," said the blonde. "Everybody knows that cuckoos don't build nests. They live in clocks."

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