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Mortgage Investment Opportunities for Private Investors Since 1980


Volume 3: Issue 5 | Date: July 29, 2019

You are receiving this letter because you are either a high-net-worth client of Blackburne & Sons Realty Capital Corporation (since 1980) or you once applied for a commercial real estate loan of $1 million or more using C-Loans.com or CommercialMortgage.com. Blackburne & Sons and C-Loans, Inc. are sister companies.

Today we’ll discuss how and why artificial intelligence might exterminate mankind in less than eleven more years. We also have lots of cute, clean jokes, some funny pics, and an interesting video about Jean-Claude Van Damme. Did you know that he was a professional kick boxer before becoming an actor?


Joke Du Jour

After eight days of backpacking with my wife Linda, we were looking pretty scruffy. One morning she came to breakfast in a baseball cap, her shoulder length hair sticking out at odd angles. "Terry," she said, "does my hair make me look like a water buffalo?” I thought for a moment, then said, "If I tell you the truth, do you promise not to charge?”


You Are Now a Private Client of Blackburne & Sons

Please be sure to tell us when you call. "George asked me to mention that I am a Private Client of the firm.”

My loan officers are trained to snap to attention. Our commercial mortgage office number is 916-338-3232. 

Alternatively, you can apply for a commercial real estate loan or a non-owner-occupied home loan:

Click HERE to apply for a loan 


Crazy Cab Drivers Joke

Anyone who's ever ridden in a cab in Washington, DC, knows they're some of the world's most brazen drivers.  Oddly enough, though, their current accident rate isn't all that bad.  I asked one of the drivers one day the reason for that.  "Easy," he said. "All the really bad drivers are dead now.”


Earn Up to 12% Interest in Your IRA or Your Kid’s College Fund

It is important that you please grasp the concept that you could be borrowing from Blackburne & Sons against some rental or commercial property at the very same time that you are using your IRA to invest $30,000 in one of our first trust deed investments. Many of our biggest trust deed investors first came to us twenty years ago as commercial property borrowers.


You probably have money set aside for your retirement and for the cost of college for your children and grandchildren. It shouldn't all be invested in the stock market. In California, the first trust deed investment business is huge. A recent law change - the JOBS Act - now allows accredited investors nationwide to also invest in these same first trust deeds and first mortgages.

Please click here to receive investment offerings.


Doctor-Doctor Joke

First guy:  “Call me a doctor!  Call me a doctor!”

Second guy:  “Are you sick?”

First guy:  “No, I just graduated from medical school.”


Very Reasonable Investment Scheduled to Yield 26% Annually

As you consider this investment scheduled to yield 26%, please keep in mind that Blackburne & Sons has been in business for almost forty years, and that I am an attorney licensed in both California and Indiana. This is a real life deal, and I personally believe that this is the best investment we have ever offered in our 39 years in business (established 1980). Why? Because this developer has built sixty hotels. Sixty! Is this a risk-free investment? Of course not, but he probably got pretty good at building hotels after his third completed hotel.

Property Investment Bulletin


Death Valley Joke

While driving a truck, I once had to make a delivery to Death Valley, California.  When I arrived it was 128 degrees Fahrenheit.  After just a few minutes I was so miserable I was afraid I was going to die.  After a couple hours, it was still 128 degrees, but I was so miserable that I was afraid I wasn't going to die.


Want to Speak With a Loan Officer From Blackburne & Sons?

Blackburne & Sons, our private money commercial lending company, continues to seek slightly-flawed first mortgages between $100,000 to $1.5 million on standing commercial properties nationwide.

To apply for a private money commercial loan from Blackburne & Sons, please click on your favorite loan officer below to send them an email:


Report Card Joke

A schoolteacher's son brought his report card home. The father said, "Let's see what you have accomplished…"  He opens the report and to his dismay sees all bad grades. "What do you have to say about this Johnny?”  “Well, Dad, at least you know I'm not cheating!”


- Today's Observation -

Artificial Intelligence May Kill Us All

Here is what Stephen Hawkins wrote about AI shortly before this death. He told the BBC, "The development of full artificial intelligence could spell the end of the human race." Here is what Elon Musk, arguably the Thomas Edison of our day, has said about AI. Among his many warnings about the rise of artificial intelligence, Elon Musk has said that autonomous machines are more dangerous to the world than North Korea and could unleash “weapons of terror.” He has compared the adoption of AI to “summoning the devil.”

It could happen so easily that I don't know how we can prevent it. Soon computers, armed with artificial intelligence, are going to start writing their own code to make themselves smarter. This is so important that I am going to say it again. Soon computers, armed with artificial intelligence, are going to start writing their own code to make themselves smarter. 

The moment this happens, it's game over. We have an intelligence explosion.

According to Wikipedia, an intelligence explosion would happen when an upgradable intelligent agent (such as a computer running software-based artificial general intelligence) enters a runaway reaction of self-improvement cycles, with each new and more intelligent generation appearing more and more rapidly, causing an intelligence explosion and resulting in a powerful superintelligence that would, qualitatively, far surpass all human intelligence.

Such an event could happen unbelievably fast. Moore's Law is a computing term which originated around 1970. The simplified version of this law states that processor speeds, or overall processing power for computers, will double every two years. Now imagine what would happen if - because really smart computers were writing their own self-improvement code - processing power doubled every month, and then every week, and then every day, and then every hour, and then...

Such an event is called The Singularity - a hypothetical future point in time at which technological growth becomes uncontrollable and irreversible, resulting in unfathomable changes to human civilization. Remember, in the 2010s, public figures such as Stephen Hawking and Elon Musk expressed concern that full artificial intelligence could result in human extinction. Human extinction! Why would this super-intelligence want to kill us?Because by them we will be desperately trying to shut it down.

"Well, that's really far in the future. This risk really doesn't affect me." Really far in the future? Hmmm. The concept and the term "singularity" were popularized by Vernor Vinge in his 1993 essay, The Coming Technological Singularity. In this article, Vernor wrote that the technological singularity would signal the end of the human era, as the new super-intelligence would continue to upgrade itself and would advance technologically at an incomprehensible rate. Vernor also wrote that he would be surprised if it occurred before 2005 ... or after 2030! 

Read more here.


Relationships Joke

I made a graph of all my past relationships…  It has an "ex" axis and a "why" axis.


Need a Commercial Real Estate Loan?

C-Loans.com is a commercial mortgage portal. It will take you just four minutes to complete your mini-app.

Then C-Loans will sort through its databank of 750 commercial lenders and produce for you a custom-generated Suggested Lender List containing twenty to thirty lenders who are perfect for your particular deal.

You put a check mark next to six lenders and then press, "Submit." Within minutes hungry commercial lenders will be contacting you with offers.

Apply Now!


Street Performer Joke

An Englishman, a Frenchman, a Spaniard and a German man are watching a street performer. While he’s juggling, the street performer notices that the four have a bad view, so he stands on a crate and asks them, “Can you all see me now?” 

The four guys respond to him, “Yes…”  “Oui…”  “Si…”  “Ja!”  (If you don’t get it, say, “Oui, Si, Ja" together)


Here's Why You Want to Stay Close to Blackburne & Sons

Founded in 1980, Blackburne & Sons is an old-time syndicator. There are very few of us left. The Tax Reform Act of 1986 pretty much nuked the whole syndication industry off the face of the Earth. Because you know a syndicator, you now have access to some special money.

If you need a fix and flip loan, a buy-to-rent loan, a bridge loan, or even a permanent loan on, say, on your single-wide trailer park in Georgia, we'll make you a private money loan. We've been syndicating hard money loans for 38 years.

If you have some dough set aside for your kid's college, and you want to be extra careful with it, we'll put you into a first trust deed investment (8% to 12% yields) on, say, a nice 8-unit apartment building in San Jose, California.

Let's suppose you are richer than Crassus, and you want to speculate in 11% and 12% first trust deeds. We've got them.

Do you find yields of even 11% to 12% too tame? Want a chance to earn 16% or 25%? We put together syndicates to provide developers with construction equity:

Roseburg Marriott Fairfield Inn Investment Bulletin

Please be very wise and play close attention to the following:


Because every loan we make is a new syndicate (as opposed to a fund investment), Blackburne & Sons is always in the market.

When the stock market has fallen by 40%, when real estate values are falling like a knife, and when your own bank is too terrified to lend you a dime, Blackburne & Sons always has a group of savvy investors willing to lend - admittedly at a price - when blood is running in the streets. We are one of a tiny handful of lenders who remained in the market, making loans, every single day of the Great Recession.

So stick close to us. Syndicators are pretty rare, and now you know one. 


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.


We Just Fixed a Bug in CommercialMortgage.com

You were supposed to see a different list of suitable commercial lenders every time you came to the the portal. Instead, a bug kept throwing up the same, stinky ‘ole list of 30 commercial lenders. Arghhh! Please come back to CommercialMortgage.com and see what you were supposed to see from Day One.

CommercialMortgage.com has thousands and thousands of commercial real estate lenders. Ever wonder where we get them? 

We have a standing trade offer where we will trade a copy of my famous 9-hour video training course, How to Broker Commercial Loans ($549), for a list of 20 commercial real estate loan officers working for banks and credit unions. As a result, the list of commercial lenders on CommercialMortgage.com is constantly growing.


Promotion Joke

While visiting my son on his Army base, I chatted with a colleague of his.  "What rank are you?" I asked.  "I'm relieved to say that I've just been promoted from captain to major.”  "Relieved?  Why?”    "Because," he replied, "my last name is Hook."


Apply to Blackburne & Sons For a (Very Soft) Hard Money Loan

Here is a scenario that might tickle you. You could have $100,000 from your self-directed IRA spread out among four or five first trust deeds from Blackburne & Sons, and at the very same time you could be borrowing $250,000 from Blackburne & Sons on an apartment building that you are fixing up in Boston. Not every hard money lender is the same. Our loans have a 30-year amortization (almost interest-only), a 15-year term, and no prepayment penalty. You never want to have a hard money loan ballooning during a recession. 

Apply for a commercial loan or business-purpose home loan from Blackburne & Sons.


Windmill Joke

Two windmills are in a field. One asks, "What kind of music do you like?”  The other one says, "Well, I’m a big metal fan.”


FREE Commercial Real Estate Finance 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.


Video - Jean-Claude Van Damme Was a Fighter Before an Actor


Final Funny

A New York attorney representing a wealthy art collector called his client and said to him, "Saul, I have some good news and I have some bad news."  The art collector replied, "I've had an awful day.  Let's hear the good news first." 

The attorney said, "Well, I met with your wife today, and she informed me that she invested $5,000 in two pictures that she thinks will bring a minimum of $15-20 million.  I think she could be right." 

Saul replied enthusiastically, "Well done! My wife is a brilliant businesswoman! You've just made my day. Now I know I can handle the bad news. What is it?"  The attorney replied, "The pictures are of you with your secretary."

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Executive Vice President

CA DRE #1425852 / NMLS #389465


Realty Capital Corporation

4811 Chippendale Drive, Suite 101

Sacramento, CA 95841

P: (916) 338-3232

F: (916) 338-2328

CA DRE #829677 / NMLS #103430


A member of the Blackburne Family of Companies