Or repossess it in 6 months which is probably more like it. I too have been in the banking industry for 25 years and you’re probably talking about hard money. The percentage of people that get hard money and pay it back is miniscule. It usually ends up NOT in favor of the borrower. I have never and will never set someone up for failure just to make a buck. I’ve seen this movie far too many times. Merg, be careful. I can feel your excitement but beware.