 and so that the last part of your question is not a problem at all if the bank whoever the flip the bank is on this deal uh... wants to just give you a mortgage and put the property in your name at a hundred and fifty off the price and you guys go get a mortgage that's fine if you want to do a contract showing the total price and a hundred fifty dollar credit you can do that to get with a title company they can show you how to do that it's not rocket science but people do not