 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. We'll 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, or you can just not show it. Now, if you buy it and you record the deed at the lower price to your other question, it does not affect the value of the property whatsoever.