The Dark Side of the Spoon 

A Chili Story – Pass the spoon  This whole thing started on a golf trip at Lake Shastina Golf Resort and Spa. We played a lot of golf, howled at the moon, and every morning walked onto the first tee – first to pay homage to the mountain – then to spank the ball just left […]

Choose Your Shot Wisely

A walk through a storm-battered golf course turns into a lesson on choices, consequences, and why golf really is a mirror for life—shot by shot.

Batten Down the Hatches: The 2026 Debt Wave Is Coming

A massive surge of commercial real estate debt is coming due in 2026, and higher rates are colliding with softening values. Sacramento owners—especially those with loans maturing between 2025 and 2027—need clarity now. The smart move is to run a simple “refi or sell” analysis before lenders force the

It’s Never Too Late to Get It Right

But it’s true: freedom comes from structure.  Knowing exactly where your money’s going before it leaves the account feels a lot like showing up to a meeting prepared.

7 Fundamentals to Live by in the CRE Biz

How we effectively help our clients is not complicated. Listen and take the time to get to know your client. Then all you have to do is “the right next thing.”

Understanding Key Ratios Commercial Lenders Use

Properties of all shapes and sizes are under the Lender’s microscope. Even property “owners” with long-term relationships with multiple assets with the same lender are under the lender’s microscope. Lenders use ratios, and when the ratios don’t match up with a lender’s ratio requirements, the owner/borrower will be asked to provide additional security (cash or […]

Why Do I Do This?

Intelligent, successful people do not like to be sold or knowingly persuaded. 

The Beautiful Game

I went to the Screening of “The Beautiful Game” sponsored by Lance Hastings, the Director of CMTA.  It turns out that the members of this year’s class of Leadership Sacramento were there.  The Guild Theater in Oak Park is a great venue that seats about 100 people.  After the movie, Scott Syphax moderated a panel […]