--- title: Commercial Loans and the 99-Year Lease description: You can get a commercial loan on leased land. Enter your commercial loan into C-Loans.com and in the Special Issues section, describe the land lease. image: https://info.c-loans.com/hubfs/Common%20Law.jpg --- [![c-loans-logo-2025](https://info.c-loans.com/hs-fs/hubfs/images/c-loans-logo-2025.png?width=183&height=86&name=c-loans-logo-2025.png)](https://c-loans.com) [Terms of Use](https://www.c-loans.com/terms-of-use) | [Disclaimer](https://www.c-loans.com/disclaimer) | [Blog](https://info.c-loans.com/) # Commercial Loans and Fun Blog ## [Commercial Loans and the 99-Year Lease](https://info.c-loans.com/commercial-loans-and-the-99-year-lease) Posted by [George Blackburne](https://info.c-loans.com/author/george-blackburne) on Wed, Jul 24, 2019 - [Tweet](https://twitter.com/share) ![Common Law](https://info.c-loans.com/hs-fs/hubfs/Common%20Law.jpg?width=294&name=Common%20Law.jpg)U.S law is based primarily on English common law.  ***Common law*** is the part of English law that is derived from custom and judicial precedent, rather than from statutes.  An example of common law is a ruling that some judge made, in an old case more than two-hundred years ago, that says that people have a duty to read contracts. Common law is often contrasted with ***statutory law***, which is the body of laws enacted by Congress, the various state legislatures, and other law-making bodies and which are actually spelled out in some book of statutes.  In Penal Code 187, California law defines "murder" as "the unlawful killing of a human being or fetus with malice aforethought."   [![Apply For a Commercial Loan to Blackburne & Sons](https://no-cache.hubspot.com/cta/default/37671/34e9010d-6f3b-4979-93c2-9e705da5a9fc.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/34e9010d-6f3b-4979-93c2-9e705da5a9fc)   ![condom compliants](https://info.c-loans.com/hs-fs/hubfs/condom%20compliants.png?width=306&name=condom%20compliants.png)   [![Submit Your Loan to 750 Commercial Lenders Using C-Loans.com.  It's Free!](https://no-cache.hubspot.com/cta/default/37671/9f0b2bed-fb9b-455d-b8be-17d8f7960a2a.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/9f0b2bed-fb9b-455d-b8be-17d8f7960a2a)   **Under English common law, the longest that real estate could be leased for was 99 years.** If your lawyer made a mistake and wrote a real estate lease for 100-years, after the execution (signing) of the lease by both parties, the lessee could immediately go to court and have the judge declare that the lease was an *actual sale* of the property.  The intended land lessor would be a given a mortgage for the amount of his land lease payments, and title to the property would pass to the intended land lessee.   How could this possibly matter?  Imagine leasing out a piece of land for 100-years, and then a wave of hyperinflation struck.  The intended land lessee could simply hand you a check for 100-years worth of payments (possibly just enough to buy a cup of coffee) and keep title to the property, free and clear of the mortgage, for himself.   [![Free List of 3,159 Commercial Lenders Sort By Your Own Criteria](https://no-cache.hubspot.com/cta/default/37671/edc33fe8-9d87-477b-bf2f-07a33d3d2d24.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/edc33fe8-9d87-477b-bf2f-07a33d3d2d24)   ![Dyslexia](https://info.c-loans.com/hs-fs/hubfs/Dyslexia.png?width=367&name=Dyslexia.png)   Les Agisim, the most successful commercial loan broker on C-Loans (55 closings), has used this video training program to train two-dozen new commercial loan agents. [![Nine-Hour Video Training Course How to Broker Commercial Loans](https://no-cache.hubspot.com/cta/default/37671/2fa994cb-f6ac-4671-821f-b4bd48cb5f1f.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/2fa994cb-f6ac-4671-821f-b4bd48cb5f1f)   Although U.S. courts always show great deference towards English common law, the various state legislatures are not bound by them. Some U.S. states have passed state laws that say the longest period that you can lease real estate for in their state is only 40 years.  Other U.S. states have passed laws that say that you can lease real estate for as long as the parties would like.  Other states have kept the 99-year common law limit.   [![Dirt Cheap Commercial Leads Choose Type, Size, States, Location](https://no-cache.hubspot.com/cta/default/37671/5cb4ca00-2cc5-4cbd-a3f7-6e2d89bc5bf9.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/5cb4ca00-2cc5-4cbd-a3f7-6e2d89bc5bf9)   ![Next of kin](https://info.c-loans.com/hs-fs/hubfs/Next%20of%20kin.png?width=356&name=Next%20of%20kin.png)   [![Earn 7% to 12% Interest](https://no-cache.hubspot.com/cta/default/37671/b3ad14ba-a1f2-43da-a994-0c31519b36db.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/b3ad14ba-a1f2-43da-a994-0c31519b36db)   **Different Subject:** I want to give you some free stuff.  Pick two: 1. [The Blackburne List of 750 Commercial Lenders](http://www.commerciallenders.com) ($39.95). 2. [How to Market For Commercial Loans](https://info.c-loans.com/commercial-mortgage-marketing-course)?  It's only $199... but you're broke.  (You get the PowerPoint to my famous course, which teaches you everything.) 3. Been screwed out of too many loan fees?  Our [mortgage broker fee agreement](https://www.c-loans.com/mortgage-brokers/mortgage-broker-fee-agreement-by-an-attorney-only-199) ($199) has probably been tested in more actual courtroom cases than any other.  Remember, I am an attorney.  (You get the fee agreement itself, not the 60-minutes of video training contained in our fee collection course.) 4. Our [Income Property Underwriting Manual](https://www.c-loans.com/mortgage-brokers/learn-to-underwrite-commercial-mortgage-loans-only-199) ($199) can make a real estate broker or residential loan agent into a commercial loan broker in a single afternoon.  (You get the manual itself, not the five-hours of video underwriting training.)   [![Commercial Mortgage Brokers You're Doing It All Wrong](https://no-cache.hubspot.com/cta/default/37671/47353a06-ecdf-49ad-a26d-0bd2888fb186.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/47353a06-ecdf-49ad-a26d-0bd2888fb186)   ![Been outside](https://info.c-loans.com/hs-fs/hubfs/Been%20outside.png?width=319&name=Been%20outside.png)   [![Are You a Developer?  Is Your Construction Lender Requiring More Equity?](https://no-cache.hubspot.com/cta/default/37671/0af0620a-006a-4de1-9b37-cb9e915d3122.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/0af0620a-006a-4de1-9b37-cb9e915d3122)   We here at [C-Loans.com](https://www.c-loans.com) will give you TWO of the above freebies, just for entering a *bona fide* commercial loan into C-Loans and submitting it to six lenders. **Attention All Brain Surgeons:** Submitting a loan to [C-Loans.com](http://www.c-loans.com/onlineapp) is NOT the act of filling out a lead form in order to get some freebie, like a [free list of 200 commercial lenders](http://www.commerciallenders.com) or our [free commercial loan placement kit](https://info.c-loans.com/download-your-free-commercial-loan-placement-kit). Submitting a commercial loan to [C-Loans.com](http://www.c-loans.com) is a six-step process that ends with you putting a checkmark next to six commercial lenders and then pressing "Submit".  **How To Get Your Freebies:** After going through the six-step process - putting a checkmark next to six lenders and then submitting your deal - please email me, [Tom Blackburne](mailto:tommy@blackburne.com), and tell me which two of the above gifts you want.  Please make the subject line, "I Completed a C-Loans Application."  Atta-boy![mailto:tommy@blackburne.com](mailto:tommy@blackburne.com)   [![Free SBA Loan Leads](https://no-cache.hubspot.com/cta/default/37671/3d676168-33f5-408a-9680-b5e7a5137fa6.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/3d676168-33f5-408a-9680-b5e7a5137fa6)   ![So hot](https://info.c-loans.com/hs-fs/hubfs/So%20hot.png?width=387&name=So%20hot.png)   [![Free $549 Training Course](https://no-cache.hubspot.com/cta/default/37671/614cb500-3fa5-40c4-9f52-3508652629cf.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/614cb500-3fa5-40c4-9f52-3508652629cf)   **If You Are a Commercial Loan Broker, Be SURE To Do This:** Mortgage brokers are rushing to get their favorite bankers signed up on [C-Loans.com](https://www.c-loans.com/lenders/commercial-loan-app-s-delivered-to-your-email-box), and thereby earn 20% of our fee on the first three loans closed by their bank.  One mortgage broker, Arnold Taylor, has added almost 30 banks to C-Loans in the past two weeks alone.  Arnold will be earning big fees from this for years. It's very easy.  Just call your favorite banker and explain that C-Loans delivers carefully screened commercial real estate loans that perfectly fit his preferences.  The bank merely has to bump its normal loan fee from 1.0 point to 1.375 points in order to cover our software licensing fee.  Next please email to your banker our [Commercial Lending Preferences](https://info.c-loans.com/commercial-lending-preferences) form.  Finally send an email to [Tom Blackburne](mailto:tommy@blackburne.com) and register the banker with him.  We'll close the sale.   [![Convince a Bank to Join C-Loans Earn Three HUGE Fees!](https://no-cache.hubspot.com/cta/default/37671/e122102d-9a59-45e5-9ecd-7183ad793c26.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/e122102d-9a59-45e5-9ecd-7183ad793c26)   ![Sprinkler](https://info.c-loans.com/hs-fs/hubfs/Sprinkler.png?width=426&name=Sprinkler.png)   [![Become a Hard Money Lender. Approve Your Own Deals!](https://no-cache.hubspot.com/cta/default/37671/247e2ace-c2a5-450b-ae3e-291f280f1d14.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/247e2ace-c2a5-450b-ae3e-291f280f1d14)   [![Get Both Video Training Programs For Just $849.](https://no-cache.hubspot.com/cta/default/37671/d0fb44bc-2893-4551-8a92-6a5080c4296e.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/d0fb44bc-2893-4551-8a92-6a5080c4296e)   [![Need a NMLS License Or Your Renewal Hours?](https://no-cache.hubspot.com/cta/default/37671/9f6491a8-af19-4ba1-9236-8e97c3cd1d16.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/9f6491a8-af19-4ba1-9236-8e97c3cd1d16)   [![Subscribe To Blog](https://no-cache.hubspot.com/cta/default/37671/7636800d-cf5e-48c6-88cb-f71c131eb6ee.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/7636800d-cf5e-48c6-88cb-f71c131eb6ee) ### George Blackburne III Owner of C-Loans, Inc. ![George Blackburne III C-Loans Owner](https://info.c-loans.com/hs-fs/hubfs/George%20Head%20Shot%20Small%205%20by%207%20copy.jpg?width=158&name=George%20Head%20Shot%20Small%205%20by%207%20copy.jpg) ### Subscribe via E-mail ### Connect with C-Loans ## [![Get the Latest Scoop on C-Loans Inc.](https://no-cache.hubspot.com/cta/default/37671/bacfb58b-143e-40d7-b126-33c182b5b90b.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/bacfb58b-143e-40d7-b126-33c182b5b90b) C-Loans.com® is sponsored by  C-Loans, Inc. — For more information, contact Tom Blackburne 555 University Ave., Suite 150, Sacramento, CA 95825 Telephone: (916) 338-3232 x 317 * Tom Blackburne in Indiana: (574) 210-6686 * Fax: (916) 338-2328 Real Estate Broker -- California Department of Real Estate -- License Number 01330173 Arizona Dept. of Financial Institutions – License Number 0909472 The Florida Mortgage Brokers License Number: 0708758 [Read our many client Success Stories](https://c-loans.com/mortgage-brokers-overview/success-stories/) » © 2025 C-Loans, Inc. 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