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Mortgage Investment Opportunities for Private Investors Since 1980

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Volume 4: Issue 10 | Date: October 15, 2020


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 China’s economic distress and the possibility of war with China.  We also have lots of cute, clean jokes, some funny pics, and a wonderful dog video. Sooo cute!


Joke Du Jour

An attorney was feeling deathly ill and went to the doctor. The doctor examined him and backed away, saying, "I'm sorry to tell you this, but you have an advanced case of highly-infectious rabies. You must have had it for some time. It will almost certainly be fatal."

"Could you give me a pen and paper?" asked the attorney. "Do you want to write your will?” asked the doctor. “No,” replied the attorney, "I want to make a list of all the people I’m going to bite.”


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 business-purpose loan secured by a commercial or non-owner occupied property.


Stork Joke

A boy was assigned a paper on childbirth and asked his parents, "How was I born?” "Well, Honey..." said the boy's mom, "the stork brought you to us.” "Oh," said the boy. "Well, how did you and daddy get born?" he asked. "Oh, the stork brought us too," chimed in the dad. "Well how were grandpa and grandma born?" he persisted. "Well darling, the stork brought them too!" said the mom.

Several days later, the boy handed in his paper to the teacher, who read with confusion the opening sentence: "This report has been very difficult to write because there hasn't been a natural childbirth in my family for three generations."


Earn Up to 12% Interest in Your IRA or 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.


Union President Joke

A Union President was sitting at his son's bedside getting ready to read him a bedtime story.  He starts out, "Once upon a time and a half…"


Want to Speak With a Blackburne & Sons Loan Rep?

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:


Bank Account Joke

Mother decided that 9-year-old Cathy should get something “practical" for her birthday.  "Suppose we open a savings account for you?" mother suggested. Cathy was delighted. "It's your account, darling," mother said as they arrived at the bank, "so you fill out the application.”  Cathy was doing fine until she came to the space for "Name of your former bank." After a slight hesitation, she put down “Piggy.”


- Today's Observation -

If China's Economy Starts to Stall,

President Xi Might Start a War

I think China has gotten massively battered in the past two years. The economic statistics coming out of China look just fine, but I don’t trust them. Just think about all of the economic body blows that China has recently absorbed.

It started with President Trump making it outright unpatriotic to move any more U.S. manufacturing plants to China. Maybe even a few manufacturing plants jobs have come home.

Then the U.S. slapped sanctions on many Chinese imports. Suddenly a few U.S. industries, like steel, could start to compete with China. 

Trump’s hammering of China has resonated in Europe and throughout the Pacific Rim. You might hate Trump’s sharp New York tongue, but he has been very influential in shaping a worldwide distrust of China. International factories that otherwise might have been constructed in China are now going to Vietnam and India. On the margin, China has surely lost a few sales, if a reasonably priced competing product was available.

And then came the Coronavirus Crisis. Was the virus really created in a Chinese lab? Who knows? But President Trump has achieved some success convincing both Democrats and Republicans that China was to blame. This could NOT have been good for business in China.

On top of that, tens of thousands of Chinese small businesses must have failed during the Coronavirus Crisis. Eighty percent of all urban Chinese workers work for private businesses. Millions must have lost their jobs. 

I am starting to see signs that China is running out of U.S. dollars, the currency the world uses to buy raw materials and to trade. They had something like $3 trillion in currency reserves several years ago. I think they are down to just $1 trillion. Be careful here. I could be totally wrong on these numbers; but I doubt seriously whether the Chinese have been able to add to their currency reserves in the past two years.

Why should you care? I exchanged emails with a Hong King citizen a month ago, and he pointed out that in a war, the U.S. could kill one billion Chinese citizens, and they would still have more people than we have. 

President Xi of China has made himself president for life, so just one guy controls all $1.35 billion of them. The Chinese are graduating five times more engineering students than we are. In a war of attrition, we lose.

But why should you care? If the economy in China starts to suffer, and the people start to get restless, President Xi will start to lose political support. There is nothing like a war to rally the people around the flag. 

I therefore predict that China will invade Taiwan within two and a half years.

The U.S. will have no choice but to enter into a full-fledged conventional war with China. If we lose that first row of islands - Taiwan, Guam, Senkaku, Diaoyu, and Okinawa - then the Solomons, Midway, Hawaii, and possibly even California would be next. 

Imagine Chinese missile ships raining conventional but highly-accurate missiles down on California. Our military policy is to fight World War III out there, not on our own soil.

Fanciful? China now has more modern warships than the U.S. Navy. As I often tell my sons, “History doesn’t always happen to the other guy.”


Vacation Joke

My friend Jim told me that when he asked his wife where she wanted to go on vacation, she said that being married to him was a vacation. When I commented that was a nice thing to say to him, Jim replied, "Well, actually, what she said was I was the 'last resort.'"


Need a Commercial Real Estate Loan?

Apply Now!

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.


Election Fraud Joke

"An 11-year-old boy in Florida was able to hack into a state elections website and change results in under 10 minutes; so get ready to meet Florida's next governor, Fortnite McDeadpool.” — Jimmy Fallon 


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 40 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.

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.


Congress Joke

Working on Capitol Hill, my husband was under constant pressure. After one late-night session, he came home exhausted and went straight to bed. When I turned out the light, he sat up in a panic. "Is everything okay in the house?" he asked. "Yes, honey," I answered. "I locked the doors and turned down the heat.” "That's good," he said, lying back down, his eyelids heavy. "What about the Senate?”


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 (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

(4) Regional copy of The Blackburne List of commercial lenders.


Vasectomy Joke

One day, after a man had his annual physical, the doctor came out and said, "You had a great checkup. Is there anything that you'd like to talk about or ask me?” "Well," he said, "I was thinking about getting a vasectomy.” "That's a pretty big decision. Have you talked it over with your family?” "Yeah, and they're in favor 12 to 1.”


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. 


Texting Joke

Me (texting): "Are we still on for today?"

Reply Received: "You don’t have to text me this every morning! As your boss, trust me when I say, WE ARE ‘ON' FOR WORK EVERY DAY, MON - FRI!”


FREE Commercial 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 - Hilarious Dog Compilation


Final Funny

The devil told the pope, "No one in the world has a better memory than I do.” The Pope responded, “Really? Well I know this Native American guy who has the best memory in the world, and I'll even prove it.” Then the devil replied, "OK, I'll take your offer and if I have a better memory I get your soul.” "It's a deal" replied the Pope. Then they shook hands to make the deal official.

They went to a remote village in North America. There they met Roaming Bull, the Native American the Pope was talking about. The devil asked him, "Do you like eggs?” The Native American replied, "Yes."

Fifty years passed. Everyone is still alive and have forgotten about the deal; however, the devil still remembered the deal. He went back to the village and greeted the Native American, saying, "How.” Roaming Bull replied, "Scrambled."


Schedule a Zoom Meeting With Angela Today!




P: (916) 338-3232

F: (916) 338-2328

CA DRE #1425852 / NMLS #389465


Realty Capital Corporation


4811 Chippendale Drive, Suite 101

Sacramento, CA 95841

CA DRE #00829677 / NMLS #103430

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