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Mortgage Investment Opportunities for Private Investors Since 1980

PRIVATE CLIENT NEWSLETTER

Volume 3: Issue 7 | Date: September 10, 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 why your commercial property owners must RUSH to their lenders and refinance right now. It is almost too late. We also have lots of cute, clean jokes, some funny pics, and a cool video of an 400-pound, 100-year-old turtle begging to be petted like a dog.

 

Joke Du Jour

The tot had just been put to bed for the umpteenth time, and his mother's patience was wearing thin. "I don't want to hear you call out, ‘Mom’, one more time!" she warned him sternly. After a few minutes of quiet, a small voice came from upstairs, "Mrs. Jones? Can I have a drink of water?”

 

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 


 

Devout Cowboy Joke

The devout cowboy lost his favorite Bible while he was mending fences out on the range. Three weeks later, a cow walked up to him carrying the Bible in its mouth. The cowboy couldn't believe his eyes. He took the precious book out of the cow’s mouth, raised his eyes heavenward and exclaimed, "It's a miracle!" "Not really," said the cow, "Your name is written inside the cover.”

 

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.

video

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.

 

Get Out of School Joke

Teacher: "Whoever answers my next question, can go home." One boy throws his bag out the window. Teacher: "Who just threw that?" Boy: "Me, and now I’m going home.”

 

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

 

Savings Joke

After years of scrimping and saving, a husband told his wife the good news: "Honey, we've finally saved enough money to buy what we started saving for in 1979.” "You mean a brand-new Cadillac?" she asked eagerly. "No," said the husband, "a 1979 Cadillac.”

 

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:

 

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.

 

- Today's Observation -

Refinance Your Commercial Loan Right Now!

Days Now Matter.

When banks get scared, one of the first lending spigots that they turn off is commercial mortgage lending. Banks are about to get scared again. This recovery cannot continue too much longer. It's already the longest recovery in history.

Ordinarily, a garden-variety recession is no big deal. Unfortunately, the timing of this recession may kill President Trump’s chances of reelection. We could easily elect a socialist-leaning president, like Elizabeth Warren.

Holy poop! Right or wrong, equity investors will not like that. Can you imagine the rout in the stock market once it becomes clear that Trump will lose? A 30% to 40% crash in the stock market would send our banks into survival mode. New loans will be rare, but the banks will continue to rake in their monthly payments.

Just like in 2008, the Multiplier Effect (20:1) will kick into reverse. Every time a bank collects a $1,000 loan payment and fails to immediately lend it back out, a whopping $20,000 (20:1) gets sucked out of the U.S. money supply. Trillions of dollars will be destroyed.

Therefore your commercial loan customers must move immediately to refinance their commercial loans. Bank rates on commercial loans are terrific right now.

Do you know how banks price their commercial real estate loans? They look at five-year Treasuries (1.68% today), and then they add 2.75% to 3.5%.

Remember this rule: When quoting a commercial real estate loan from a bank, look up five-year Treasuries, and then add 2.75% to 3.5%. Better deals get the better rates. Subtract one-half percent for multifamily deals.

Using this handy formula, your client can expect a commercial real estate loan from a bank of 4.43% to 5.18%. That’s a wonderful rate, so call up your investors and get them moving right now. If they start the process right away, they will likely close just in time.

 

Shopping List Joke

My father was completely lost in the kitchen and never ate unless someone prepared a meal for him. When Mother was ill, however, he volunteered to go to the supermarket for her. She sent him off with a carefully numbered list of seven items. 

Dad returned shortly, very proud of himself, and proceeded to unpack the grocery bags. He had one bag of sugar, two dozen eggs, three hams, four boxes of detergent, five boxes of crackers, six eggplants, and seven green peppers. 

 

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!

 

Flirting Student Joke

A school teacher sends home a note with student. The note reads, ”Your son is an obedient and bright student, but spends too much time talking to girls.” The mother sends a note back the following day, ”Please advise a solution. His father has the same problem.”

 

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. 

 

Golf Ball Joke

A nurse noticed a golfer pacing up and down outside the operating room where another golfer who had a golf ball driven down his throat was bring treated. "Is he a relative of yours?" she asked. "No," said the golfer. "It's my ball.”

 

Quickly Find 30 Commercial Lenders For Your Deal

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, Learn 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.

If you find a lender who has left the bank, please find out his replacement (we’ll need his address, phone, and email), please write to Tom Blackburne at tommy@blackburne.com, and he’ll send you a choice of TWO of the following: (1) Income Property Underwriting Manual; (2) Commercial Mortgage Marketing Course; (3) Loan Broker Fee Agreement; and (4) Regional copy of The Blackburne List of commercial lenders.

 

Two Doors Joke

A man was invited to a wedding. When he reached the hotel, he found two doors written on them… 

1. Bride relatives 

2. Groom relatives 

He entered the groom door and found two doors again. 

1. Ladies 

2. Men 

He entered men door and found two doors again. 

1. People with gifts 

2. People without gifts 

He entered the second door (people without gifts )… and found himself outside the hotel.

 

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.

 

Dinosaur Joke

Three dinosaurs stumble across a magic lamp. They rub it, and a genie appears. “I have three wishes, so I’ll give one to each of you,” the genie announces. The first dinosaur thinks hard. “Alright,” he says, “I’ll have a big, juicy, piece of meat.” Instantly, the biggest, juiciest piece of meat he’d ever seen appears in front of him. Not to be outdone, the second dinosaur thinks even harder. “I know! I’ll have a shower of meat!” Immediately, huge pieces of meat rain down around him.

The third dinosaur, certain not to be outdone, thinks harder than the previous dinosaurs. “I’ve got it!” he cries, “I want a MEATIER shower!"

 

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 - Thirty Years Ago, My Family Got to Pet Three Competing Giant Tortoises, Who Jumped Up Like Puppies

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Final Funny

A rancher was minding his own business when a DEA agent came up up to him and said, "We got a tip that you may be growing illegal drugs on the premises. Do you mind if I take a look around?" 

The old rancher replied, "That's fine, you shouldn't go over there though."  As he pointed at one of his fields.  The arrogant DEA agent snapped at him, "I'm am a federal agent!  I can go wherever I want!”  With that he pulled out his badge and shoved it into the ranchers face. 

The rancher shrugged this off and continued with his daily chores.  About 15 minutes later he heard a loud scream from the field he had pointed out earlier.  All of a sudden he could see the DEA agent sprinting towards him with a large bull on his heels. 

The rancher rushed to the fence and yelled, "Your badge!  Show him your badge!"

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ANGELA VANNUCCI

Executive Vice President

CA DRE #1425852 / NMLS #389465

BLACKBURNE & SONS

Realty Capital Corporation

4811 Chippendale Drive, Suite 101

Sacramento, CA 95841

P: (916) 338-3232

F: (916) 338-2328


CA DRE #00829677 / NMLS #103430

 

A member of the Blackburne Family of Companies