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Volume 7: Issue 4 | Date: April 5, 2019

This letter is intended only for commercial real estate loan officers working for banks, credit unions, conduits, and hard money lenders. Today we’ll discuss CTL Financing. We have lots of cute, clean jokes, some funny pics, and a terrifying video of weather gone crazy.

Hey guys, if we make you chuckle today, won't you please-please-please refer a turndown this week to CommercialMortgage.com?


Joke Du Jour

“Nice dog. What’s its name?” I asked my friend’s 10-year-old son. 

“Bob,” he said. “And your cat?” I asked. “His name is Bob as well.” “How do you keep them straight?” I asked puzzled. “Well one is Bob Cat, and the other is Bob Barker,” the boy answered. 

“Tell him your rabbit’s name,” his father suggested. The kid smiled and said, “Dennis Hopper.”


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It's free training in commercial real estate finance. And because it's old man Blackburne writing, you just know this blog is funny.

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Which Came First?


Cheap Commercial Mortgage Leads

This section should make you bridge lenders sit up and pay attention. There is no cheaper way for your hard money mortgage company to close more bridge loans than to buy leads and a listing on CommercialMortgage.com. You pay just $1,000 per year (not per month!), and the designated loan officer will receive, on average, one to five commercial leads per day. Each lead will be exactly what your company wants to see - the right loan type (bridge loan or construction loan, etc.), the right loan amount, the right property type (apartment building or office building, etc.), in the right state, and with the right credit score.

Click HERE for details.


Age Joke

This lady tells the story: My youngest son asked me how old I was. "39 and holding,” I answered. He thought for a moment, and then he asked, "But how old would you be if you let go?”


- Today's Observation -

What is CTL Financing?

If you are an investor with a prime property leased on a triple net basis to a credit tenant, you can get terrific commercial financing. A credit tenant lease is a method of financing real estate. The landlord borrows money to finance the property and pledges as security the rents to be received from the tenant. Usually, the financing is structured as nonrecourse debt, and the lease is structured as a triple net lease. Credit tenant leases may be created either in sale/leaseback transactions or new purchase transactions.

A credit tenant is typically a national company that is rated BBB or higher by Standard & Poors. Examples of national credit tenants include Walgreens, CVS Pharmacies, Petco, Auto Zone, Bridgestone, Advance Auto Parts, Lenscrafters, FedEx Kinko's, etc. Read more on CTL Financing on George's blog.

Click here for free training.


Visions Joke

A man went to the doctor and said: “Doctor, I keep having visions of the future.” “When did these start?” the doctor inquired. The patient replied, “Next Thursday.”


Or You Can Get Commercial Loan Leads For Free!

It’s important that you guys don’t get confused here. C-Loans, Inc. owns TWO different commercial mortgage portals that actually compete against each other. I often joke that it is my dream is to own every horse in the Kentucky Derby. Haha!

We’ve already talked about CommercialMortgage.com (“CMDC”) above. CMDC is our latest portal, and it uses an advertising model. A bank pays $1,000 per year to be listed on CMDC and to receive leads, and if the bank closes a deal, the bank does NOT owe C-Loans, Inc. even one penny.

Our second portal, C-Loans.com, is our original portal. C-Loans.com has been phenomenally successful, boasting over 1,000 commercial loan closings totaling over $1 billion. We will list banks on C-Loans.com for free, and they will receive free leads by email, as well as calls and emails directly from borrowers.

If the bank closes a commercial loan, however, the bank owes to C-Loans.com a software licensing fee of between 25 to 50 bps (usually 37.5 bps.) In real life, all of our banks simply bump their normal loan fee from 1.0 points to 1.375 points, so C-Loans.com effectively costs the bank nothingPlease click here to get listed on C-Loans for free. (You must be a bona fide direct commercial lender servicing at least $20 million in commercial loans.)


Learn Commercial Real Estate Finance

9 Hour Video Training

It would be a lot easier to close your commercial deals if you actually knew the subject matter. Are you finally ready to learn the financial ratios and the advanced terminology of commercial real estate finance? Just $549.


Dictionary Joke

I once ate a dictionary, but I’ll never do that again. I ended up with thesaurus throat I've ever had!


Won't You Please-Please-Please Refer Us Your Commercial Mortgage Turndowns?

If you have to turn down a commercial loan this week, you would really be helping your customer if you referred him to CommercialMortgage.com. There are over 3,000 commercial lenders listed on this free commercial lender search engine.


Pregnant Joke

When the sergeant told our new commander that his driver could not participate in an upcoming field maneuver because she was pregnant, the enraged commander demanded to know just how pregnant she was. The sergeant’s reply: “Completely, sir.”


Ever Wonder What a C-Loans Application Looks Like?


Fairness Joke

"Expecting the world to treat you fairly because you are good is like expecting the bull not to charge because you are a vegetarian." -- Dennis Wholey


Would You Mind a $21,250 Referral Fee?

We once paid a $21,250 referral fee to a website owner named Alan Dunn for referring us a $17 million deal. Please click here for details.


Final Funny

Sitting behind a couple of nuns at a baseball game (with their habits partially blocking the view), three men decided to badger the nuns in an effort to get them to move.  In a very loud voice, the first guy said, "I think I'm going to move to Utah, there are only 100 nuns living there." 

The second guy spoke up and said, "I want to go to Montana.  There are only 50 nuns living there.  The third guy said," I want to go to Idaho.  There are only 25 nuns living there." 

One of the nuns turned around, looked at the men, and in a very sweet calm voice said, "Why don't you go to Hell... there aren't any Nuns there."


Get Four Training Course for FREE

Are you desperate to learn commercial real estate finance, but you’re as poor as a church mouse? Get four training courses for free.


Video - Weather Gone Crazy

This is genuinely frightening.


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.

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4811 Chippendale Drive

Suite 101

Sacramento, CA 95841

P: (574) 210-6686

F: (916) 338-2328

CA DRE #1330173

NMLS #167100


Tom Blackburne

General Manager

Have questions? Email me.