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Mortgage Investment Opportunities for Private Investors Since 1980

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Volume 5: Issue 1 | Date: January 21, 2021


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 where to invest and hedge now that inflation may be coming back. As always, we have lots of cute, clean jokes, funny pictures, and a sweet-sweet video of a groundhog eating some poor guy’s vegetable garden. You will grin.


Joke Du Jour

I asked my phone, "Siri, why am I so bad with women?"

She said, "I'm Alexa, you moron.”


You are 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.

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.

Alicia Gandy

916-338-3232 Ext. 310


DRE #01430908

NMLS #389678

George Blackburne IV

916-338-3232 Ext. 314


DRE #01873244

NMLS #382122


Cat Talking Joke

This morning I saw a neighbor talking to her cat. It was obvious that she thought her cat understood her. I came home and told my dog. We had a good laugh.


- Today's Observation -

Disinflation is Dead. Long Live Inflation!

The United States has enjoyed disinflation since 1980, shortly after Japan’s debt bubble popped. Since 1980, the U.S. and European inflation rate has been steadily falling. Disinflation is different from outright deflation. Deflation means that prices are actually falling. Disinflation merely means that rate of the inflation is falling.

The COVID pandemic was the final nail in the coffin. Absent the well-conceived PPP loans (I have heard of few abuses), the United States might have lost 300,000+ otherwise-profitable businesses. Congress and the President helped these American businesses when they needed it most. In my opinion, the PPP Loan Program was amazingly successful.

The PPP Loan Program eventually cost the Federal government, however, over $525 billion. To make matters worse, the huge increase in the deficit just followed a $1.9 trillion tax cut by President Trump. Between the two stimulus programs, we broke the budget. The only solution was to have the Fed buy up our own debt.

Unfortunately the actions of the Fed worked too well. The U.S. economy soared. The unemployment rate plunged. Real average wages started to increase for the first time in several decades. The stock market soared. Despite COVID, the U.S. unemployment rate is still less than 6.9%. Deficits apparently no longer matter, at least in the eyes of Congress.  

This is why you can bet that inflation will soon come roaring back. Have you noticed that home prices are soaring? No poop, Sherlock! Haha. Go get a huge mortgage at today’s ridiculously low interest rates and buy the biggest home you can afford. By keeping interest rates ridiculously low, the Fed is subsidizing home purchases. 

If you can even find a home to buy… The big problem is inventory. Investors are snatching up homes without even seeing them. They are relying entirely on online videos. Investors are also paying all cash. Home prices were held in check for most of the past year by the fact that the homes were not appraising for their purchase price. Sellers were forced to reduce their asking prices so that their buyers could get mortgage loans.

No longer. Now more and more investors are simply paying all cash for these homes, thereby going around the whole appraisal issue. Folks, home prices today are an absolute steal. Buy a big home right away, if you need the extra space.


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.


Yoda Joke

"Yoda, are you sure we're headed in the right direction?"

"Off course we are…"


Why You Should 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.


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

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

Apply to Blackburne & Sons Very Soft Hard Money Loans

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. 


Confession Joke

Priest: "Do you have something to confess?”

Man: "I did something Father, but I am not sure if it was a sin."

Priest: "Did you enjoy it?"

Man: "Yes, Father."

Priest: "Then it was a sin.”


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.

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!


Butt Joke

A group of butts is walking. The smallest struggles to keep up. “Sorry, I’m a little behind.”


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 - Adorable Groundhog Eats Man's Garden


Final Funny

An old guy was working out in the gym when he spotted an attractive young lady.  He asked a nearby trainer, "What machine should I use to impress that lady over there?” The trainer looked him up and down and said, "I would try the ATM in the lobby."


Schedule a Zoom Meeting With Angela Today!




P: (916) 338-3232

F: (916) 338-2328

CA DRE #1425852 / NMLS #389465


Realty Capital Corporation


555 University Ave, Ste 150

Sacramento, CA 95825

CA DRE #00829677 / NMLS #103430

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A member of the Blackburne Family of Companies