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Mortgage Investment Opportunities for Private Investors Since 1980

Volume 10: Issue 2 | Date: February 28, 2020


You are receiving this letter because you are one of my Spartans - my top-producing brokers and investor clients - of whom I am allowed to have 300. Removal instructions are below. Today we’ll discuss EXACTLY how to profit from the coronavirus crisis. We also have lots of cute, clean jokes, some funny pics, and a hilarious, short video that shows how break-dancing started. 


Joke Du Jour

A man hasn't been feeling well, so he goes to his doctor for a complete checkup.  Afterwards, the doctor comes out with the results. "I'm afraid I have some very bad news," the doctor says. "You're dying, and you don't have much time left." "Oh, that's terrible!" says the man. "How long have I got?" "Ten," the doctor says sadly. "Ten?" the man asks.  "Ten what?  Months? Weeks? What?!" "Nine…"


Free Commercial Loan Software

C-Loans has just developed some brand new commercial loan software that is super-easy to use, even for a complete newbie to commercial real estate finance. You just fill in the blanks. You can then take your professional-looking commercial loan package and submit it to any lender in the country. This new commercial loan software is also 100% free.


Babies Joke

Four men are in the hospital waiting room because their wives are having babies. A nurse approaches the first guy and says, “Congratulations! You're the father of twins.” “That's odd,” answers the man. “I work for the Minnesota Twins!” A nurse then yells the second man, “Congratulations! You're the father of triplets!” “That's weird,” answers the second man. “I work for the 3M Company!” A nurse goes up to the third man saying, “Congratulations! You're the father of quadruplets." “That's strange,” he answers. “I work for the Four Seasons Hotel!” The last man begins groaning and banging his head against the wall. “What's wrong?” the others ask. “I work for 7-Up!”


Still Making Nationwide Permanent Loans From $100K to $1.5M

Click HERE to 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 IV, at (916) 338-3232 Ext. 314.


Chicken and Pigs Joke

Teacher: "Kids, what does the chicken give you?"

Student: "Meat!"

Teacher: "Very good! Now what does the pig give you?"

Student: "Bacon!"

Teacher: "Great! And what does the fat cow give you?"

Student: "Homework!"


- Today's Opportunity -

How to Profit From The Corona Virus

China’s economy is about to get clobbered by this coronavirus crisis. The financial hammer is NOT what you think. It's not just the issue of three hundred million workers cowering in their homes. The financial hammer is that the multiplier effect is about to kick into reverse. An enormous deflationary tidal wave is about to wash over China and the rest of the world.

The cause is the fact that Chinese banks are now too frightened to lend, and small business owners in China are now too frightened to borrow. In the meantime, Chinese small business owners, who employ sixty percent of China’s workers, are still making payments on their bank loans. The terrified Chinese banks are either too frightened to lend, or they can’t find any borrowers brave enough to borrow.  

Because the multiplier effect can work in reverse, a $1,000 loan payment from a small business can, if the banks fails to recycle that payment, suck a whopping $20,000 (20:1) out of the Chinese money supply. Chinese borrowers probably send at least $50 billion back to the banks in loan payments every year. Multiplied by twenty, that means that $1 trillion in money is being destroyed annually in China. 

Soon, money will become desperately tight in China. Tens of thousands of small businesses in China will fail, tens of millions of workers will be laid off, further reducing demand for products, and adding to the failures of even more businesses and leading to even more layoffs of workers. It is going to be a deflationary bloodbath.

Okay, now let’s profit from this.

Are you a commercial loan broker? Soon most of the banks will be out of the commercial real estate loan market. Soon subprime Wall Street lenders will be unable to sell their mortgage-backed securities, and they will be forced to leave the market. Soon most of the hundreds of the new hard money mortgage funds will close because they lack any new money to lend.

This is great news for you. Borrowers will be desperate for commercial loans, and you know one of the only commercial lenders that will remain in the market. I have told you for years that we intentionally do not use a fund. We quickly put together a fresh syndicate to fund every single loan. This is why Blackburne & Sons was in the market, making new commercial loans, every single day of the S&L Crisis, the Dot-Com Meltdown, and the Great Recession. 

Are you a commercial broker (commercial real estate sales broker)? Lots and lots of business owners will be desperate for cash, and many will be willing to list their properties for sale. Get out there and talk to every business owner and every commercial property owner that you know. The next two years should be a field day for listings for you.

Are you a real estate investor? The best time to invest is when blood is running in the streets, and sadly I greatly fear that there will soon be plenty of blood in the streets. But please grasp this concept: Commercial real estate fell by 45% during the S&L Crisis.  Within three years, values reached new highs. Commercial real estate fell by 45% during the Dot-Com Meltdown. Within three years, values reached new highs. Commercial real estate fell by 45% during the Great Recession. Within three years, values reached new highs.

When commercial real estate values have fallen by 35% (not 45%), get out there and BUY something. If values simply recover, you will have earned 53.8% on your money.  Why not wait until commercial real estate has fallen by 45%? You will end up buying nothing! In every real estate depression for the past forty years, real estate values soared from their nadir (low point) to a full recovery in a matter of weeks. Don’t get greedy!


Grape Joke

Q: What did the green grape say to the purple grape? 

A: “Breathe, you fool, breathe!”


Business Purpose Rental Home Loans in Most States

Click HERE to 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.

Commercial Loans: NATIONWIDE

Residential Loans:

  • Alaska
  • Arizona
  • California
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Indiana
  • Louisiana
  • Maryland
  • Michigan
  • Missouri
  • New Jersey
  • New York
  • North Carolina
  • Ohio
  • Oklahoma
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Tennessee
  • Texas
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin

These states are out:

  • Idaho
  • Minnesota
  • Nevada
  • North Dakota
  • Oregon
  • South Dakota
  • Utah
  • Vermont

Don't see YOUR state listed above? If you have a real-life deal, we’ll hire our attorney to quickly research its availability. Call or email me today!

George Blackburne IV

Loan Representative

P: (916) 338-3232 Ext. 314


NMLS #382122

The property has to be non-owner occupied, and the purpose of the loan must be for business. The nice thing about business purpose home loans from Blackburne & Sons is that our loans have a 30-year amortization, a 15-year term and no prepayment penalty.


Lamb Joke

If Mary had Jesus, and Jesus is the lamb of God, does that mean Mary had a little lamb?


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

You old veterans know that commercial lenders are incredibly fickle. One moment a bank loves self storage loans, and the next moment - usually after taking a loss - it wouldn't touch a self storage facility loan with a ten-foot pole.  C-Loans.com is a commercial mortgage portal that was designed with commercial lender fickleness in mind. You fill out one mini-app, and then you can submit your commercial loan application to bank after bank, six at a time, until you find a bank hungry to make a commercial loan today. Mortgage brokers like you have closed over 1,000 commercial real estate loans totaling over $1 billion, so C-Loans clearly works. And C-Loans.com is free!


Bear Conversion Joke

A priest, a minister, and a rabbi want to see who’s best at his job. So they each go into the woods, find a bear, and attempt to convert it. Later they get together. The priest begins: “When I found the bear, I read to him from the Catechism and sprinkled him with holy water. Next week is his first communion.” “I found a bear by the stream,” says the minister, “and preached God’s holy word. The bear was so mesmerized that he let me baptize him.” They both look down at the rabbi, who is lying on a gurney in a body cast. “Looking back,” he says, “maybe I shouldn't have started with the circumcision.”


Free Commercial Loan Placement Kit

Includes a list of 200 commercial lenders and a short (5 minutes), superb video on structured finance (mezzanine loans, preferred equity, and venture equity). Go here.


Geography Joke

A bank robber pulls out gun points it at the teller, and says, "Give me all the money or you're geography!" The puzzled teller replies, "Did you mean to say 'or you're history?'" The robber says, "Don't change the subject!”



Just Keeps Getting Better and Better

Every day we add two to five new banks and credit unions to CommercialMortgage.com. With almost 4,000 banks, credit unions, and other commercial lenders, CommercialMortgage.com is by far the largest databank of commercial lenders in the country.

Do you understand that CommercialMortgage.com is absolutely free to use? The lenders listed do NOT jack up their loan fee in order to pay a software licensing fee to C-Loans, Inc. One of the most successful commercial mortgage brokers in the entire country is Les Agisim of Trevor Cole Commercial, and Les uses CommercialMortgage.com all of the time. You would be wise to do what the successful guys do.


Diplomacy Joke

Diplomacy is the art of telling people to go to hell in such a fashion they ask for directions.


Learn Commercial Real Estate Finance - 9 Hour Video Training Course

Learn How to Easily Find Hundreds of Commercial Mortgage Loans. Learn How to Quickly Underwrite the Deals. Learn Over 100 New Commercial Mortgage Finance Terms. Get That Confidence You Know You've Been Lacking. Learn Exactly Where to Place Your Loan. Access to Hundreds of Lenders. Learn How to Package Your Deal. Most Important of All - Learn How to Collect Your Fee. Just $549.

Now available online!


Legal Proof Joke

A man went to his lawyer and told him, "My neighbor owes me $500 and he won’t pay up. What should I do?" "Do you have any proof he owes you the money?" asked the lawyer. "Nope," replied the man. "OK, then write him a letter asking him for the $5,000 he owed you," said the lawyer. "But it's only $500," replied the man. "Precisely. That’s what he will reply, and then you’ll have your proof!”


It's the Loan Servicing Income, Folks

No one ever listens to me. Please pay attention! The money in the mortgage industry is in loan servicing fees, and servicing loans is easy. For your first 50 deals, you can just hire a sub-servicing company for $40 per loan per month. I charge my investors $1,583 per month (!!!) for servicing a one-million dollar loan. $1,580 per month minus $40 equals...

The loan servicing portfolio for Blackburne & Sons just broke $53 million this quarter. Since our average loan servicing fee is two percent annually, that means we earn over $1 million per year for servicing just 250 loans. How would you like to walk in the door on the first of each month knowing that you will earn at least $83,000? Four-hour video course. Find your own private mortgage investors.


Birthplace Joke

Brunette: "Where were you born?" 

Blonde: "The United States." 

Brunette: "Which part?" 

Blonde: "My whole body.”


Buy Both Training Courses for Just $849

Click here for more information, or to order, please contact Tom Blackburne at 574-210-6686.


Fish Joke

Q: Why did the fish blush? 

A: Because it saw the ocean's bottom.


The Blackburne List - Updated in 2019

The Blackburne List is a list of over 2,500 commercial lenders located nationwide. It 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.


Have You Been Screwed Out of a Big Loan Fee Yet?

Whenever someone boasts of being a good horseman, I always ask him, “Have you ever been thrown?” The correct answer is, “Many, many times”. There is an old saying, “If you ain’t been thrown, you ain't ridden very much.”

The same is unfortunately true of commercial mortgage brokerage. You will screwed out of a loan fee of $10,000 or more at least twice per year for your entire career. Now I am NOT talking about the borrower closing the loan and not paying you. That rarely happens. What these dastardly borrowers do is lie to you or cancel on you. 

You would be a flipping idiot not to pay a lousy $199 for my ninety-minute video training course, Fee Collection For Commercial Mortgage Brokers. It includes my famous fee agreement. Go ahead and ignore this section. You will cry, I absolutely guarantee you. 

Now available online!


Pig Joke

Q: What do you call a pig that knows karate? 

A: A pork chop.


Commercial Mortgage Marketing Course

Need commercial mortgage leads? This Commercial Mortgage Marketing Course will teach you how to turn on a flow of commercial leads as easily as turning on a spigot.

Now available online!


Astrology Joke

Man: "Hey baby, what's your sign?"

Woman: "Do not enter.”


Hot-To-Trot To Make Fix and Flip Loans

Click HERE to Apply Now!

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 IV, at (916) 338-3232 Ext. 314.


Too Busy to Broker Commercial Loans to Us? Refer Them Instead!

We once paid a $21,250 referral fee. Here is our referral fee program.


April Showers Joke

Q: If April showers bring May flowers, what do May flowers bring? 

A: Pilgrims!


Need a NMLS License? Need to Renew Your CE Hours?

This fun instructor makes these hours bearable.


E Joke

Q: What word starts with E, ends with E, and has only one letter in it? 

A: Envelope


Use Cheddar Stacks to Get Commercial Loans

Imagine 19 business men and women, all working in industries centered around real estate. Each has an app on their cell phone that makes it easy to shoot each other leads. Folks, referral leads are worth THIRTY leads from advertising. Click here for more details.


Onion Joke

My friend thinks he is smart. He told me an onion is the only food that makes you cry, so I threw a coconut at his face.


Trade One Banker For ONE of the Following Freebies

If you know a commercial real estate loan officer at a bank (guys, banks are named “Bank” and have huge, steel vaults - not merely an office with desks and phones), we will trade his contact information for one of the following: A free commercial mortgage marketing course, a free list of 750 bankers, a free mortgage broker fee agreement, and a free Income Property Underwriting Manual. Want more than one of these freebies? You will need a new banker for each freebie. Thank you for your honesty.


Toddler Joke

Two students were talking about their childhood. "I was a very clever toddler. By the time I was ten months old, I could already walk.” "You call that clever?" the other said. "I managed to trick my parents into carrying me until I was three!”


On a Personal Note

This past weekend, my partner and I went on our first hike of the season. We are lucky enough to live close to the river and a wildlife preserve, so within 10 minutes from leaving our house we can be walking through an oak forest.  

The foothills of the Sacramento Valley truly are an underappreciated landscape. The spring grasses give the land a carpet of green, broken only by pops of white, purple and yellow wild flowers. The oak trees, bare for much of the winter, and sending out their new leaves. They reach over the path, mottling the light and casting playful shadows. The river itself is crystal clear. So clear in fact you can see trout darting from one log to another.  It won’t be long before the weather turns and the beating sun makes these hikes unbearable, so for now we are going to enjoy it as much as we can. 

George Blackburne IV

Loan Representative

(916) 338-3232 Ext. 314


NMLS #382122

CA DRE #01873244


Video - Funny, Short

How breakdancing got started.


FREE Commercial Loan Brokerage Training

From an Industry Veteran And Attorney

The C-Loans Blog: info.c-loans.com

Every week we publish one or two new blog articles that train commercial brokers in commercial real estate finance. We try to have fun with it, including lots of funny pics. If you want access to this FREE training, subscribe to George's blog by clicking the button below.


Final Funny

And finally: A new, young MD doing his residency in OB was quite embarrassed performing female pelvic exams. To cover his embarrassment, he had unconsciously formed a habit of whistling softly. The middle aged lady upon whom he was performing this exam suddenly burst out laughing and further embarrassed him. He looked up from his work and sheepishly asked, "I'm sorry. Was I tickling you?” She replied, “No, doctor, but the song you were whistling was, 'I wish I were an Oscar Meyer Wiener.’"

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Members of the Blackburne Family of Companies


4811 Chippendale Drive, Suite 101

Sacramento, CA 95841

P: (916) 338-3232

F: (916) 338-2328

CA DRE #00829677 // NMLS #103430