 to it doesn't always have to be the bank is approving them or they have to come up with the cash you could do seller finance you could hold a note back um you could hold a part of the note and the bank comes up with the other because if there's an asset the bank's so comfortable with like yeah we'll finance on 50 heck i mean we've still got 50 equity in this thing hold a lien on it right how how bad can somebody really mess it up the idea is that