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Volume 7: Issue 8 | Date: September 6, 2019

COMMERCIAL BROKER NEWSLETTER

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 discuss why your commercial property owners must RUSH to their lenders and refinance right now. It is almost too late. We also have lots of cute, clean jokes, some funny pics, and a cool video of an 400-pound, 100-year-old turtle begging to be petted like a dog.

Joke Du Jour

The tot had just been put to bed for the umpteenth time, and his mother's patience was wearing thin. "I don't want to hear you call out, ‘Mom’, one more time!" she warned him sternly. After a few minutes of quiet, a small voice came from upstairs, "Mrs. Jones? Can I have a drink of water?” 

Private Money Commercial Permanent Loans

From $100K to $3.5M Nationwide

Apply Now! Do you need a commercial lender who will actually lend up to 75% LTV? Blackburne & Sons has decided to compete against banks by offering a higher LTV.

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? 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 loan against a portfolio of rental houses?

And don't forget, we will quickly and happily issue you a written Loan Approval Letter - at no charge - that you can use as a fallback and to lure cheaper lenders. After all, everyone wants to lend to you if you already have a commitment. 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 hard money commercial loan or call me, George Blackburne, at (916) 338-3232 Ext. 314.

Devout Cowboy Joke

The devout cowboy lost his favorite Bible while he was mending fences out on the range. Three weeks later, a cow walked up to him carrying the Bible in its mouth. The cowboy couldn't believe his eyes. He took the precious book out of the cow’s mouth, raised his eyes heavenward and exclaimed, "It's a miracle!" "Not really," said the cow, "Your name is written inside the cover.”

Picture Joke

A soldier serving overseas far from home was annoyed and upset when his girl wrote to break off their engagement and ask for her photograph back. He went out and collected from his friends all the unwanted photographs of women that he could find, bundled them all together, and sent them back with a note saying, “I regret that I cannot remember which one you are. Please keep your photo and return the others.”

How to Earn Huge Referral Fees

Please click here after viewing the video.

Get Out of School Joke

Teacher: "Whoever answers my next question, can go home."   One boy throws his bag out the window.   Teacher: "Who just threw that?"   Boy: "Me, and now I’m going home.”

Savings Joke

After years of scrimping and saving, a husband told his wife the good news: "Honey, we've finally saved enough money to buy what we started saving for in 1979.” "You mean a brand-new Cadillac?" she asked eagerly. "No," said the husband, "a 1979 Cadillac.”

- Today's Observation -

Refinance Your Commercial Loan Right Now!

Days Now Matter.

When banks get scared, one of the first lending spigots that they turn off is commercial mortgage lending. Banks are about to get scared again. This recovery cannot continue too much longer. It's already the longest recovery in history.

Ordinarily, a garden-variety recession is no big deal. Unfortunately, the timing of this recession may kill President Trump’s chances of reelection. We could easily elect a socialist-leaning president, like Elizabeth Warren.

Holy poop! Right or wrong, equity investors will not like that. Can you imagine the rout in the stock market once it becomes clear that Trump will lose? A 30% to 40% crash in the stock market would send our banks into survival mode. New loans will be rare, but the banks will continue to rake in their monthly payments.

Using this handy formula, your client can expect a commercial real estate loan from a bank of 4.43% to 5.18%. That’s a wonderful rate, so call up your investors and get them moving right now. If they start the process right away, they will likely close just in time.

Flirting Student Joke

A school teacher sends home a note with student. The note reads, ”Your son is an obedient and bright student, but spends too much time talking to girls.” The mother sends a note back the following day, ”Please advise a solution. His father has the same problem.”

Business Purpose Rental Home Loans in Most States

Apply Now! Please pay special attention to the following: Unlike other hard money brokers, Blackburne & Sons Realty Capital Corporation makes home loans with a 15-year term (30-year amortization), and there is NO prepayment penalty. Our competitors make just three-year or five-year bridge loans. Our loans are clearly better because you may want to hold the property. These loans are sometimes known as buy-to-rent loans.

Historically, Blackburne & Sons was mostly a commercial lender. This has now changed. We are aggressively aggressively seeking non-owner occupied home loans. We have already closed loans in the following states, and our attorney can quickly research your state to verify that we can lend there. Unfortunately, in a handful of states, an NMLS license is not enough.

Early Morning Joke

My neighbor rang on my doorbell at 3:00 am... can you believe it!? Luckily I was still up playing the drums.

Submit Your “A” Quality Commercial Loans Using C-Loans

Apply for a loan now!

Hot-To-Trot To Make Fix and Flip Loans

Blackburne & Sons is making a huge push into fix and flip lending. Of course we will still make our private money permanent loans on commercial properties nationwide; but we are now also making fix and flip loans across the country.

Please click here to submit a fix and flip loan or a hard money commercial loan or call me, George Blackburne, at (916) 338-3232.

Shopping List Joke

My father was completely lost in the kitchen and never ate unless someone prepared a meal for him. When Mother was ill, however, he volunteered to go to the supermarket for her. She sent him off with a carefully numbered list of seven items. 

Dad returned shortly, very proud of himself, and proceeded to unpack the grocery bags. He had one bag of sugar, two dozen eggs, three hams, four boxes of detergent, five boxes of crackers, six eggplants, and seven green peppers. 

Golf Ball Joke

A nurse noticed a golfer pacing up and down outside the operating room where another golfer who had a golf ball driven down his throat was bring treated. "Is he a relative of yours?" she asked. "No," said the golfer. "It's my ball.”

Free Copy of The Blackburne List

Only Blackburne & Sons Can Do This

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

• We'll give you a bridge loan on your commercial property for only one point! There is no prepayment penalty.
• We allow sellers to carry back a second mortgage behind our first mortgage.
• We will actually lend up to a 75% loan-to-value ration. Banks claim they will lend up to 75% LTV, but in real life they will only go 68% LTV.
• We offer private money (loose-goosey underwriting) commercial loans with 30-year payments and 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.
• We buy commercial first mortgages (usually at a discount).
• 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.

Two Doors Joke

A man was invited to a wedding. When he reached the hotel, he found two doors written on them… 

1. Bride relatives 

2. Groom relatives 

He entered the groom door and found two doors again. 

1. Ladies 

2. Men 

He entered men door and found two doors again. 

1. People with gifts 

2. People without gifts 

He entered the second door (people without gifts )… and found himself outside the hotel.

Blaring Music Joke

We were at a red light when a car pulled up, its music blasting. “He’ll be deaf before he’s 25,” I said. “That won’t help us,” my wife replied. “He’ll only turn it up.”

Dinosaur Joke

Three dinosaurs stumble across a magic lamp. They rub it, and a genie appears. “I have three wishes, so I’ll give one to each of you,” the genie announces. The first dinosaur thinks hard. “Alright,” he says, “I’ll have a big, juicy, piece of meat.” Instantly, the biggest, juiciest piece of meat he’d ever seen appears in front of him. Not to be outdone, the second dinosaur thinks even harder. “I know! I’ll have a shower of meat!” Immediately, huge pieces of meat rain down around him.

The third dinosaur, certain not to be outdone, thinks harder than the previous dinosaurs. “I’ve got it!” he cries, “I want a MEATIER shower!"

Two Ways To Earn Referral Fees for Commercial Loans

We Once Paid $21,250

This 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 refer commercial loans by hand. Simply insert your referrals here.

Video - Thirty Years Ago, My Family Got to Pet Three Competing Giant Tortoises, Who Jumped Up Like Puppies

Final Funny

A rancher was minding his own business when a DEA agent came up up to him and said, "We got a tip that you may be growing illegal drugs on the premises. Do you mind if I take a look around?" 

The old rancher replied, "That's fine, you shouldn't go over there though."  As he pointed at one of his fields.  The arrogant DEA agent snapped at him, "I'm am a federal agent!  I can go wherever I want!”  With that he pulled out his badge and shoved it into the ranchers face. 

The rancher shrugged this off and continued with his daily chores.  About 15 minutes later he heard a loud scream from the field he had pointed out earlier.  All of a sudden he could see the DEA agent sprinting towards him with a large bull on his heels. 

The rancher rushed to the fence and yelled, "Your badge!  Show him your badge!"

Members of the Blackburne Family of Companies

CA DRE #829677

NMLS #103430

P: (916) 338-3232

F: (916) 338-2328

4811 Chippendale Dr, Ste. 101

Sacramento, CA 95841

CA DRE #1330173

NMLS #167100