 as a down payment. You just show it on the closing statement because it's already been transferred to the owner. Reduce what the owner is going to receive. But you have to have a contract that says this. And you can't have two contracts. It's called dual contracts. That's fraud. You can't have one you show the bank and one that's the real deal. You show them what you're doing. Put down $150,000. The money's already been transferred to them. Like it was an earnest money deposit. And you can do this properly and above board.