 without the bank's knowledge under the table and when they discover that, they'll call the whole mortgage and foreclose on him and take your house that you put $150,000 down on. Dumb. Oh, if the house burns, you got no insurance, doofus. Because you don't own the house. And their homeowner's insurance doesn't cover you as a renter. They had to transfer that to fire and EC and they didn't do that either.