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February 1, 2021


Volume 21: Issue 1

C-Loans Client Newsletter

You are receiving this letter because you are a commercial mortgage broker client of either Blackburne & Sons or C-Loans, Inc. Removal instructions are below. Today we’ll discuss why the U.S. dollar keeps falling. We also have lots of cute, clean jokes, some funny pics, and a video of 12 of the funniest Super Bowl commercials of all time.


Joke Du Jour

The teacher asked her students, “Who can tell me what the ruler of Russia was called?”

“Czar,” the class replied in unison.

“Correct. And what was his wife called?”

“Czarina,” the class replied.

“Good! And what were his children called?”

A timid voice piped up, “Czardines?”


Free Stuff

Free Loan Placement Kit

Commercial Loan Checklist - Ten techniques that will triple your chances of closing

The Blackburne List - 200 commercial lenders by state with their direct contact info

Whitepaper - How to place a loan when banks are scared to lend

Bonus Training Video - Structured finance including topics like mezzanine loans and preferred equity

Free Expert Training

The C-Loans blog written by an industry veteran and attorney. Subscribe HERE.


Why You Must Follow C-Loans on Facebook

You are missing important free training. It takes old man Blackburne four to five hours to write one of our popular blog training articles, but he can knock a short training article about commercial mortgage brokerage or commercial real estate finance (CREF) in minutes. In the past two weeks, he has written mini-articles on why banks hate blanket commercial loans, asset-backed securities, family offices, co-living properties, tuck-under parking, the net-worth-to-loan-size ratio, and an unknown, Federal government, mid-market PPP-like loan that can inject $5 million to $300 million into large businesses struggling to survive the coronavirus crisis.

To view these mini-lessons, come to the Facebook page for C-Loans. Look for a tab with three dots, “…”. The first drop-down selection is, “Follow.” Once you follow our Facebook page you will receive one or two free mini-lessons every week.


Ant Joke

The teacher was giving her class of seven-year-olds a nature history lesson. "Worker ants," she told them, "can carry pieces of food five times their own weight. What do you conclude from that?" One child was ready with the answer, "They don't have a union?"


Place Your Commercial Loan With C-Loans

C-Loans.com is a true commercial mortgage portal. It allows you to create, in just four minutes, a universal mini-app. You then submit this mini-app to our 750 different commercial lenders.

C-Loans acts like a giant filter that screens out the unsuitable lenders and reduces this huge, unmanageable list of lenders down to a list of just 30 banks, credit unions, and other lenders that are perfect for your deal. You put a checkmark next to six lenders and then press, “Submit.” Within minutes, hungry lenders will be contacting you with offers. And C-Loans is free! 

If you have never checked off six lenders on a list that looks like the image below, then you have never really used C-Loans.com.

C-Loans Intro

Special COVID-19 Notice:  The whole concept of C-Loans.com is that banks are fickle. They pop in and out of the commercial lending market on almost a daily basis. This is especially true during this COVID-19 crisis! We urge you to submit all of your commercial loans through C-Loans and to submit your deal to at least 24 different banks, six per use (just close out and come back in four times). Fortunately we just added several hundred new banks.


Training Stuff

Learn Commercial Real Estate Finance (9 hrs)

Topics include:

  • Underwriting
  • Marketing
  • Fee Collection
  • Many More!

$549. Order HERE.

Become a Direct Lender. Learn Loan Servicing (5 hrs)

One reason why hard money brokers make ten times more money than desk-and-phone mortgage brokers is that they approve their own deals!! 

$549. Order HERE.


- Today's Observation -

The U.S. Dollar Just Keeps Falling

"The greenback has lost around 6.5% against a basket of major currencies over the course of 2020, racking up a loss against every developed market currency, and now trades around its lowest since April 2018." So wrote the Business Insider on the December 16th. Since the 16th, the dollar has fallen even further. It ended the year down a whopping 6.7%.

A falling dollar does affect your life. The years of continuously falling prices at Wal-Mart are now at an end. The Chinese have snuffed out American manufacturing, so there is less competitive pressure to keep lowering prices.  I predict that you will finally notice these higher prices at Wal-Mart this year. "Gee, didn't bicycles used to be much cheaper?"

So why is the dollar falling? Due to COVID, the U.S. government has set the dangerous precedent of just creating money and giving it away. In the words of Chuck Butler, a popular commentator on currencies, "... once you give somebody something for nothing, they will expect more, and more, and more, etc.   And so we are in our second of those 'mores'…"

There is another surprising reason why the dollar may be falling steadily in future, which will result in painful inflation. China will soon surpass the U.S. militarily. An ocean that is 12,300 miles wide may no longer be wide enough to protect us. Chinese missile ships, 1,000 miles off our coasts, will soon be able to accurately fly missiles into the windows of any military target or economic facility here in America. Yikes.

It's no wonder that the smart money is looking at Bitcoin and gold.


Got a Slightly Flawed Commercial Loan? Call Blackburne & Sons

Click HERE to Apply Now!

Blackburne & Sons continues to seek first mortgages between $100,000 to $2 million on standing commercial properties nationwide. We particularly like Gentlemen’s Clubs. One unusual loan product that we offer is our blanket loan against a portfolio of rental homes. We will also hypothecate notes and buy commercial loans at a discount. We also make non-owner-occupied, business purpose, residential loans in many states. Please be sure to bookmark our commercial mortgage rate sheet right now.

Call or click on your favorite loan representative to email:


Mixed Emotions Joke

Q: What's the definition of mixed emotions? 

A: When you see your mother-in-law backing off a cliff in your new car. 


Need Leads?

We've Got 'em!

1) C-Loans Lender Vault

2) CommercialMortgage.com

Free Training Courses

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


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: NATIONWIDE


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

What about YOUR state? If you have a real-life deal, we’ll hire our attorney to quickly research its availability.

The property has to be non-owner occupied, and the purpose of the loan must be for business. Remember, 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.

Call or click on your favorite loan representative to email:


First Date Joke

My wife asked me, “Why don’t you treat me like you did when we were first dating!?” So I took her to dinner and a movie, and then I dropped her off at her parents’ house.


More Training Stuff

Marketing Course

I have been marketing for commercial loans for almost 40 years. I have wasted well over $175,000 on marketing campaigns that were busts. Here is what works.

$199. Order HERE.


Learn 100 commercial mortgage finance terms and 15 financial ratios. Learn about debt service coverage ratios, operating expense ratios, construction loans, and more!

$199. Order HERE.

Fee Collection

You would be a flipping idiot not to pay a lousy $199 for my 90 minute video training course, Fee Collection For Commercial Mortgage Brokers. It includes my famous fee agreement.

$199. Order HERE.


How To Earn Huge Referral Fees

Please click here after viewing the video.

Referral Fees

State Joke

My body is in a disgusting, embarrassing, totally repulsive state right now. New Jersey, I'm in New Jersey.



This free commercial mortgage portal has almost 4,000 commercial lenders in its databank. None of these commercial lenders appear on C-Loans.


You can buy for just $79.95 a large list of 2,500 commercial lenders. Once you have The Blackburne List of Commercial Real Estate Lenders nationwide, you can easily make a half-dozen phone calls and place the loan yourself. 


Video - 12 of the Funniest Super Bowl Commercials Ever


Final Funny

A man told the ringmaster that he was interested in joining the circus as a lion tamer. The ringmaster asked if he had any experience.

The man said, "Why, yes. My father was one of the most famous lion tamers in the world, and he taught me everything he knew."

"Really?" said the ringmaster. "Did he teach you how to make a lion jump through a flaming hoop?" "Yes he did," the man replied. "And did he teach you how to have six lions form a pyramid?" "Yes he did," the man replied.

"And have you ever stuck your head in a lion's mouth?" "Just once," the man replied. The ringmaster asked, "Why only once?" The man said, "I was looking for my father."


NMLS #167100

CA DRE #1330173


4811 Chippendale Drive, Suite 101

Sacramento, CA 95841

P: (916) 338-3232

F: (916) 338-2328


NMLS #103430

CA DRE #829677