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March 11, 2021


Volume 21: Issue 2

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 remind you of the warning signal that is gold. We also have lots of cute, clean jokes, some funny pics, and a video of stupidity at its finest.


Joke Du Jour

African Times: A Nigerian prince was found dead in his apartment yesterday with $45 million in cash. He spent the last 10 years of his life trying to share it, but no one replied to his emails.


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.


Cloning Joke

My wife told me she didn't understand the science behind cloning. I replied, "That makes two of us."


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 -

Always Keep an Eye on the Price of Gold

On Tuesday the price of gold suddenly leaped up by a whopping $32 per ounce. By Wednesday, the price of gold had fallen off by $2 per ounce, and the world remained round.  Chicken Little curled up and went back to sleep.

You should always keep an eye on the price of gold. It's like the proverbial canary in the coal mine. It can be a very important warning sign of danger.

A lot of people think that gold is a hedge against inflation. In real life, gold only performs so-so during times of inflation. Gold almost keeps pace with inflation, but there are far better assets during times of inflation, such as real estate. Not only does real estate increase in value during inflation, but it also throws off net rental income. 

When gold really shines is during periods of deflation. Deflation??? Yup. Gold is one of the few assets that cannot default. Gold is NOT the debt of another. 

Sooner or later (probably later), this bull market in stocks will end, probably after a speculative blow-off. The stock market will crater, as it does every ten to fourteen years, and thousands of companies will go bankrupt.

Important Warning:

When the stock market crashes, everything is for sale. In their rush to get liquid, investors will sometimes dump their gold first because it will have fallen the least. Gold will NOT protect you in the opening months of a stock market crash.

But as the bonds of companies with household names become worthless, gold will be one of the first asset classes to recover. Remember, gold cannot default. It is not the debt of another.  This is why gold shines during periods of deflation.

Okay, so gold jumped $32 per ounce in a single day. Should you be concerned? Probably not. Gold has been falling relentlessly for the past several months, and that is a sign that the "smart money" has little fear of corporate bond defaults. Falling gold prices are very reassuring.

But I urge you to always keep an eye on gold prices. President Xi of China (the future Dictator  of the World?), has been keeping a lower profile recently. 

That's a very-very good thing. The U.S. needs time to build landing fields on dozens of islands and atolls in the South China Sea. Our aircraft carriers and our airfields on Guam will be devastated in China's first strike, and our wildly expensive jets will need a place to land. 

Surprisingly, a NATO ally, France, sent a nuclear submarine to the Indian Ocean this month.  India is proving to be an emerging world class military power, especially with the upcoming  completion of their first aircraft carrier. Perhaps President Xi is realizing that he shouldn't have poked the world recently with his military. He isn't completely ready yet (to conquer the world?). 


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:


Living Forever Joke

I met a Magical Fairy yesterday, who said she would grant me one wish. "I wish to live forever," I said. "Sorry," said the Fairy, "That is the only wish that I'm not allowed to grant."  "Fine," I said, "then I want to die the day after Congress is filled with honest hard-working, bipartisan men and women who act only in the people's best interests!" "You crafty bastard," replied the Fairy. 


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:


Incapacitated Joke

I was recovering from surgery, when a charity representative phoned asking me to take part in a door-to-door fund-raising effort. "Sorry," I replied, "but I've been incapacitated." Undaunted, the caller kept trying to convince me to change my mind and volunteer.   I interrupted and said, "I'm incapacitated. Do you know what that means?" She hesitated. "It means your head was cut off?"


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

Housework Joke

"Housework can't kill you, but why take a chance?" -- Phyllis Diller



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. 




Final Funny

I was walking down an alley last night, when I heard, "Help! Help!" coming from behind a dumpster. Two thugs were trying to steal an old lady's handbag, but she was putting up a hell of a fight and wouldn't let go. I wondered if I should get involved or keep walking and pretend I didn't see anything. I finally decided that I should help.  It didn't take the three of us very long to get her handbag.


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