--- title: Use the Commercial Loans Blog As a Reference Library description: Do you want to learn about the commercial loan business. You can use the C-Loans Commercial Loans Blog to research pretty much anything abut the commercial loan business. image: https://info.c-loans.com/hubfs/Library.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 ## [Use the Commercial Loans Blog As a Reference Library](https://info.c-loans.com/use-the-commercial-loans-blog-as-a-reference-library) Posted by [George Blackburne](https://info.c-loans.com/author/george-blackburne) on Tue, Feb 5, 2019 - [Tweet](https://twitter.com/share) ![Library](https://info.c-loans.com/hs-fs/hubfs/Library.jpg?width=260&name=Library.jpg)The Commercial Loans Blog now has over 300 training articles on the subject of commercial real estate finance ("CREF").  I have covered so much material in my blog that I often have trouble thinking of new topics to write about regarding the commercial loan business.  If my goal was to write down everything that I had learned in my 40 years in the commercial loan business before I died, well, I've largely succeeded. Therefore the C-Loans Commercial Loans Blog is a pretty decent research tool.   [![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)   ![sandwich-police](https://info.c-loans.com/hs-fs/hubfs/sandwich-police.jpg?width=448&name=sandwich-police.jpg)   [![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)   Let's suppose the term "cap rate" comes up during your negotiations on a commercial loan.  You kinda know what the term means, but maybe you could use a quick refresher course on cap rates.   Assuming you like the way that I train - using everyday words, lots of examples, and lots of funny pics, you could use Google to search my vast library of blog articles.  In the Google search field, you would simply type: "C-Loans blog cap rates" *Voila!*  A half-dozen of my commercial loan training articles on the subject of cap rates will appear.   [![New call-to-action](https://no-cache.hubspot.com/cta/default/37671/dfced1ad-6f89-46d3-a428-ca4a9a5d9f19.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/dfced1ad-6f89-46d3-a428-ca4a9a5d9f19)   ![Just Divorced](https://info.c-loans.com/hs-fs/hubfs/Just%20Divorced.jpg?width=351&name=Just%20Divorced.jpg)   [![Please Click After Viewing Earn Up to 12% Interest Video](https://no-cache.hubspot.com/cta/default/37671/0bbf9ae8-e889-4421-8c33-3ef892bf2a00.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/0bbf9ae8-e889-4421-8c33-3ef892bf2a00)   Perhaps you are trying to place a $6 million permanent loan on an older office building in Detroit, and you are working with a conduit.  Suddenly the conduit commercial loan officer throws out a ratio that is Greek to you - the [debt yield ratio](https://www.c-loans.com/knowledge-base/debt-yield-ratio).  Clearly this new debt yield ratio is ***different*** from the debt service coverage ratio.  How do you learn about this new ratio without looking like an idiot? Simply go to Google and type in - "C-Loans blog debt yield ratio" By the way, what is a conduit? "C-Loans blog conduit"   [![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)   ![Terrorists](https://info.c-loans.com/hs-fs/hubfs/Terrorists.png?width=451&name=Terrorists.png)   [![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)   Okay, so you're trying to place an apartment loan, and the commercial loan officer says, "Your operating expense ratio is too low."  Operating expense ratio?  What the heck is an operating expense ratio? Simply go to Google and type in - "C-Loans blog operating expense ratio" And if you ever search my blog, and you do NOT find an article on your subject, please write to me at [george@blackburne.com](mailto:george@blackburne.com).   [![Don't Be Afraid of First Trust Deeds We've Sold Them For Almost 40 Years](https://no-cache.hubspot.com/cta/default/37671/03fbac0f-e3ed-44d0-a68e-8e8a73b1251d.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/03fbac0f-e3ed-44d0-a68e-8e8a73b1251d)   ![tank-cat1](https://info.c-loans.com/hs-fs/hubfs/tank-cat1.jpg?width=340&name=tank-cat1.jpg)   [![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)   [![Subscribe to the Commercial Loans and Fun Blog](https://no-cache.hubspot.com/cta/default/37671/a3bd32c3-bff3-4066-9ca8-2ec475fb5bbc.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/a3bd32c3-bff3-4066-9ca8-2ec475fb5bbc)   Topics: [research tool](https://info.c-loans.com/topic/research-tool) ### 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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