Most entrepreneurs scrimp and scrape and cut corners until they have a pot to piss in.

It is more important to have money to invest in our businesses, than to live the lifestyle.

The lifestyle can always come later, but the business comes first.

So yeah, you are either crazy or not committed to the dream.

A wise man P.T Barnum wrote the Art of Money Getting and explained how a man must understand his personal economy. I personally would live within my means, well below so I have freedom from extra stress such as paying for a high rise condo, but a wise man keeps his own counsel and you already made your decision I'm sure.

You've noted that you don't had any credit history, and never had a job -- sounds like it will be incredibly difficult, if not impossible, to find a company that will provide you with a loan. I can't help you with that unfortunately.

But I would suggest that you think twice about this decision: if your plan doesn't pan out, you'll be drowning in debt. Focus on building your business first before up-scaling your lifestyle.

Sounds like your spending to much time thinking about things you really can't afford, when you should be working on your 'big online project'

"The idea is that if I'm comfortable I'll be more creative and alive to execute my plans more effectively."

Think you can achieve that for alot less than 30k

Not to discourage your dreams, however, being relaxed and happy is hard when you have a 30k debt staring you in the face. Plus what TPW and Shaun O. said.

That's $30,000 you would start spending before you had earned it... before you even knew how long it would take to earn it. This doesn't sound like a good idea to me.

Also, it's not simply like any other business loan unless your business plan and other aspects of what you're doing are sufficient to get an actual business loan. Are they?

[DELETED]

Have you researched the cost of apartments in San Francisco??? 30k is barely enough to pay your rent on a dump in SF for a year. Everything in the city is super expensive from groceries to gas. So 30k is not enough!!! Remember there are no jobs, so if things get tough you can't just say I'll get a job to help with the bills.

If your living situation is causing you distress and interfering with your work, go to the library to work or find a cheap office you can share.

This is a real world, stop fantasizing. If you are going to borrow money, do it to invest in your business, not live in a high rise in SF for 4 months( you won't last a year).

If you learned the fundamentals of internet marketing, put together a plan for your online business, and invested in your business model, you may eventually make enough to be able to live in that high rise in SF and afford to stay there.

I know you have hustle; now just take time to acquire some skills, knowledge and wisdom.

"The idea is that if I'm comfortable I'll be more creative and alive to execute my plans more effectively."

An expensive high-rise condo sounds toxic. If I had 30k, I'd rather go to a nice island somewhere its cheaper to live and enjoy the sun, sand and seafood while working online.

Is the OP serious? Sure, go ahead.

As stated above... earn the lifestyle. If you had half a brain, you'd borrow to invest in a business.

Surely this is a joke thread?

Sal

You'll be broke in 3 months. Just talk to your parents and change your friends. Never loan or make purchases before being able to afford the costs. Listen to the Dave Ramsey show

Yes you are crazy BUT what the heck your 19. Go for it and get it out of your system now while you are still young and can rebuild after you fail miserably. And who knows you may be the one to beat the overwhelming odds and make this work.
I root for you either way!!

stupid, plain and simple.

The best entrepreneurs don't care about how and where they live, they are happy as long they are able to do what they love - which is running/growing their business.

I used to push 15k profit per month, yet was still living in a small one-room appartment. Why? I used what I earned to invest into the business and felt damn good about it

But if your going to get that expensive appartment anyway, then I wish you good luck, you sure need it. And please don't come on this forum crying for help in 6 months

If you do this, you'll discover something called... Stress!

...And lots of it too.

Me personally, I'd focus your energy on building you income/business before living the high life.

James Scholes

LOL I can totally relate to you man. I have the exact same problems man.You know... Making a decision between college and IM, parents arguing all the time, which causes a huge distraction for everything I do in my life!

I really thought I would have been the starter of the thread.

But I would still try to focus on getting cash flow before doing anything else. You could get into trouble if you quit college, quit anything and then cash flow doesn't come.

Hope that helps man.

Alen

Ok I understand where you guys are coming from. But it still makes complete sense to me. I appreciate the honest inputs, however, no one has answered my question as to how I can go about getting this loan with my current circumstance?

If you can move out and still live within your means, then i'd say go for it, sometimes in life you have to take a chance, and as long as you have the belief in what you're doing you should be ok....Fly with the eagles or scratch around with the chickens for the leftovers.

Good luck my freind.


Kevin

To the OP.

The book you need to read is "The Millionaire Fastlane" by M.J. Demarco. I believe this will help you a lot.

You have a good entrepreneurial spirit. You'll make it. However getting this loan may be a hindrance to you (and it probably won't last too long in San Francisco).

I suggest getting that 800/month place, get your online business started (whatever it may be) and then eventually move out.

Good luck

-Simon

Not sure how adventurous you are I left the Uk when I was 19 and have lived all over currently in Thailand which is a pretty good place to live really inexpensive to live if you wish Studio apartments start at $75 a month (chiang Mai) and go up from there local food is $1 up for Local Thai dishes western food is more expensive but everything is pretty inexpensive here,

Of course it a massive move but if you ignored all the advice you received here (at 19 you most likely will if you came here with 30K you would be living large and should be able to live here for 2 years and build your business as long as steer clear of drinking all the time and the ladies LOL.

Kickin it on Amazon

Gaz Cooper
Amz Training Academy

Your bravery makes me feel a little ill. You should understand that is all this is: bravery; the audacity to take out a 'business' loan and live in luxury for a year and expect everything to work itself out.

If you aint brave, you're blinded by optimism. Either way, you need to ground yourself and really think things through before making such a move.

I've lived with destructive, argumentative people (my parents). I'd advise, instead, you rent somewhere quiet close to where you live and, if you get a business loan, spend it on *business*, not pleasure.

Get a business plan made for your project you're working on.
Go to the bank and get a loan for that business.
Rent a high-end office space while still living at your parents place.
Put in the work and reap rewards.

My point is- as soon as you've got your own place to work in, you'll be more motivated, more focused and get more done.

I know a couple of young hustlers just like you and your best bet would be brokering deals and buying/selling businesses. You're not the creator type, so do what you do best.

Either way, I wish you the best of luck in your journey.
Chris

You are in the young age and you go for it.As you will have some debts you will get motivated for working more and clearing those debts.This is the correct age and time in which you can encounter all the success and failure.Gain some experience.

Good Luck !!!

[DELETED]

Well to answer you're question, When you don't have any credit, the best way to get a loan is to have a cosigner who has good credit. Either that or you take a loan from a company that specializes in low/no credit loans, but the interest rate will be sky high. You can also apply for a credit card with a good sized credit line. It might not be $30,000 but it's another option. You can use the credit card to pay for necessities, and when you pay your credit card bill on time consistently, it will help to build your credit.

Well, I am 26 and I had pretty much the same mindset as you when I was 19...I'm going to live where I want to live because it will be the best environment for me to live in. But I was quite wrong about that. I was living with my parents at the time (who argued ALL the time) and didn't know much about the world. Everyone wants to live in their ideal place in the sun but there's a reason most people don't make it there, and if they do, it's usually sometime past their 30s. I wanted to get out of my situation badly, so much that I went and got married at 19. I use to complain to my husband all the time because we couldn't live in a nicer place than we did, but at the time I just didn't understand that we couldn't afford it. In a way you're marrying yourself to a huge debt that could hurt you badly later. Some mistake just aren't worth making. If could go back in time I sure would have done something less drastic and more carefully planned to get out of my bad situation.

Another poster said that $30,000 won't last long in San Fran...it sure won't! You'd be better off taking out a smaller loan (if you can secure one) and investing it in your business. You'd also be better off in a less expensive apartment. I know you don't wanna hear that, but a large sum of money can disappear like water, and before you know it, you will be down to your last $500 and wondering what to do next. Your apartment doesn't have to be in a ghetto but just somewhere modest in a decent neighborhood can help your productivity. Trust me I have lived in a ghetto before and I would've given anything just to live in a nice suburb or small friendly city. In my current area you can find a nice two bedroom apartment for $1,200 a month (a bedroom and a home office), which is a lot less expensive than a San Fran high rise. I think even a loft in downtown L.A would be less expensive. I know you're in a bad situation and you want to be in a place as far removed from chaos and arguing as possible, but make it a goal to work your way toward it. Otherwise, as they say, you could be jumping from the frying pan into the fire.

Whatever decision you take, I wish you luck....but please, listen to the advice of those who have gone before you. It will save you a lot of trouble (I know from experience!)

Hey there buddy,

I sort of did the same thing as you,

I'm 18 going on 19, and living in a 3 bedroom pent house apartment in a town called Chelmsford in the UK, because of no credit history nor accounts, i had to pay 6months rent up front

Luckily i have the funds to do that, but i really would never take a loan for such a high amount just to live the lifestyle you think you need, Get a smaller apartment... but fill it with beautiful furniture, high end electronics... gadgets etc
when i moved into the apartment, it really hit me how much its going to cost to pack it out with stuff that's equal to its value

so far, iv spent a big chunk of my savings and most peoples yearly earnings on it... it was a success... and i have a WSO coming out soon called "The BMW method" that shows some ways iv made the cash to afford this lifestyle

Trust me i LOVE the image being self employed ensures... although im someone who even hates finance, the only thing i have on finance is one of my cars

As i say if your going to do this, stick it out for the next 6months and earn some capital, dont get a loan

thanks
Kai

I actually think that it is impulsive and completely foolhardy to spend that kind of money on living expenses when you don't have the income to back it up. Getting into debt with a loan and moving into luxury digs is just a recipe for disaster.

I can easily foresee the day when you come to the forum wringing your hands over the bills you can't pay with the threat of eviction mounting.

It's BS to say that you can't work or be creative unless you live in the lap of luxury. I've been working for myself for over 12 years and I don't live in the lap of luxury. That's not to say that you can't opt for luxury if that's what floats your boat ... but to do so when you have the history that you have ... which is really no history. No job history, no real full time earning history, well ... all I can say is good luck to you.

You sound very confident, but you may be taking a huge risk. I would suggest that you think over the whole thing once again. You may be taking a very impulsive decision as sbucciarel says.

Being UNCOMFORTABLE is a greater motivator to succeed.

Aaron

If you were expecting replies to the effect of "yes, great idea, go for it!", or "oh man why didn't I think of that first", then obviously you've gotten a reality-check.

That being said, one can appreciate your ambition. I had similar ideas and ambition when I was your age little more than a decade ago, but I can tell you from experience that's not the way to go about it. Right now it can seem like the whole world (such as almost everyone in this thread) is "against" you. I can understand that because, again, I have been there also; but there's a reason for everyone being 'against' you. We/they have been where you are, understand where you're coming from, and are hoping that some sense can be knocked into you.

I understand where you're coming from with the whole "if I have a nice, relaxing place & environment, then I will naturally be more productive and my business will take off" mentality. I used to have (and still do sometimes) the same mentality. I think we all do. We think if we are able to get "X", then we will be able to do "Y". For example, I've always had a procrastination and organization issue, and I have always tried to get "X" in order to solve my problem. That "X" includes items ranging from simple notepads to legal pads to fancy notebooks to fancy planners to handheld organizers to iPods to iPhones to (most recently) an iPad and a variety of software/websites/programs, both electronic and non-electronic... Guess what? None of those tools have solved my issues. I always used to think that if I can "X", this will definitely help with my procrastination and organization issue, but it's only a shiny object for a short while, after which the shininess goes away and I'm back to where I started. Right now that luxury condo in that SF high-rise is your 'shiny object' that you've got stuck in your head. Though I have learned to control it, I still struggle with these issues and have to consciously fight with them every single day, no special tools, gadgets, or environments help me if I don't have it in me to keep going myself. I know you might say what does this have to do with getting a luxury apartment in a SF high-rise, but trust me, it is the same concept (I have done it with more 'expensive' things also).

If you're so confident that your business will take off, then why not take a year (should take less than that based on your projections, right?) and save 30k cash, then you can even get a loan and save your cash if you prefer to go that route, but at least you would have the cash. More importantly, this way you will have proven to yourself that you are for real.

You've 'tolerated' your parents for almost 20 years, what's another year? It'll pass by just like the last 20 years did. Also, there's no point in messing with loans & interest. Interest kills. If you can find a way to get a 30k loan/investment interest free, such as a business partner/investor where they would be partners with any profit/loss the business experiences, that's a different story.

I won't say any more regarding this, since you've gotten plenty of good advice already. If I was you, I would follow the advice of some of the smart people above this post.

Regarding your question about the loan, with your situation, the only way it's possible is if someone gets it completely in their name for you, or someone co-signs with you. Obviously in both situations they need excellent credit. There is no other legal option, as far as I can think. I am not an attorney or a business adviser so please do not take my comments as such.

In end, anything is possible so it is entirely possible that you go against what everyone is saying in this thread and make a post (or sell a WSO) 6 months later saying "how I made my first million+ in 6 six months, get it for $7 before the price goes up by a dime every 10 sales"; but only God knows the future.

I think you're doing the right thing by thinking about your life and your business at the same time. This is the rest of your life we're talking about here! Definitely spend some time thinking about your actions before going ahead and doing them!

Regarding your current options. If I were in your shoes all over again, this is what I'd do:

1. Pick a ridiculously easy major in a super cheap college so I can just cruise my way through it and get myself working on my business the rest of the time.
2. Use my college loan refund to invest in my business (you get living expenses/book money) and, like the others said above, live like a bum on the street while doing this.
3. Once I start making money through my business, I still have the rest of the term to work on it even more before graduating. The income may even pay for the college loan itself.
4. Network with other entrepreneurs in the college, if possible. Granted that it is a small college and they may not even exist, but I'd keep my eyes peeled.

I wouldn't take out the $30k loan just because I hate paying interest. I think that by the time I'd be able to pay off the loan it would be far more expensive, maybe even double the original loan amount.

Anyway, this is just my two cents. Oh, one more thing, live at home as it's the best place to start a business. Having to pay rent is a pain in the you know what!

Don't get used to the idea of having to be "comfortable" first before you accomplish something.

If you have no credit, I can't imagine how anyone would loan you $30K in the first place without some kind of cosign. And that's a ridiculous reason to get a loan.

My husband and I were paying off credit cards we used on our honeymoon over 17 years ago until JUST LAST YEAR. Stupid stupid stupid use of money, even when we had good stable jobs.

Take your laptop to the library and sit there if you need more peace and quiet. Go to a coffee shop. Sit in the park.

So many people work so hard in much less-than-ideal situations than you probably have, and the struggle is what defines their character.

Go develop some character first and then earn your high-rise apartment.

You will not be comfortable because you will have all the added stress and pressure of servicing the debit.

As your finances start to run out which would be in a few months the pressure would become greater to the point where I believe unless you have some solid results coming, in sleeping at night could become,,,,,,, difficult making it much harder for you to execute your plans and tap into your creativity.

Hey man I know you want to live it up but this plan has the potential to go disastrously wrong.

Get your results first then have your fun.

Get a Houseboat in Sausalito...you can see SF from there - and it's cheaper...

That way, when (or if) this plan fails...you don't have to jump, you can just drown yourself...

but you can raise $30,000

just go to the garment area and look for men in pin stripe suits and fedoras, carrying violin cases

talk to them, hearts of gold beneath their rough exteriors

these benefactors are so kind they will even offer a collection service on your payments

good luck with your venture

Right or wrong, you certainly have something of an “Entrepreneurial Spirit” and that's cool : )

Good luck with everything.

I think you need to hear some of Dave Ramsy's stuff. Would definitely recommend that you start off with the $800/month apartment and then earn the money you need to move into that luxury apartment.

Take baby steps!

You're KIDDING, RIGHT?


OK, you were careless, did ANYTHING for money, never kept track, broke the law, and may get audited! Nobody in their right mind should give you any support expecting you will pay.

OK, you are supported, burning your bridges, and have NO idea how well off you are!

OK, you have no idea about anything, and want to get rid of options. $800 a month COULD become $1800 up front! Last I heard, that was STANDARD! Tack on maybe $50+ a month for utilities that are almost NEVER provided that you may want. Tack on MAYBE another $150+ a month for utilities that MAY not be provided. and what about furnishing and appliances?

San francisco is EXPENSIVE! ~7 years ago, when I was there, they were paying $20/hour to people that serve coffee at starbucks. They were FLYING IN, and paying hotel bills for, SCHOOL BUSS drivers that flew in because they were paid a PREMIUM to buss kid to school! And rent costs a LOT! 30K probaby wouldn't last a YEAR, but what would you do for food, gas, fun, etc.... SERIOUSLY!

I once had a friend that lived in a penthouse apartment on wilshire. Perhas the highest building in the CITY, and that place is like beverly hills! It is like the drummands apartment on "different strokes". He can see the whole city. HE didn't know how good he had it EITHER! He was middle aged, and delivered pizza for a living BUT, his father was FILTHY rich, owned a large construction company, and let his son live with him! I don't know how the subject came up, because my friend(his name was brent) doesn't really care about money. It is EASY to not care when others ALWAYS pay your way! Anyway, he said that apartment cost over $20K a MONTH!(as of about 15 years ago) IMAGINE! It took up the WHOLE floor on top of a massive highrise, which had a HUGE massive ornate lobby with its own doorman who was there 24hours a day!

The GYM!?!?!?!? OH OH! In a LOW priced, LOW BALLED, INTRODUCTORY OFFER, it MIGHT be a low as about $10/month. Somehow, I DOUBT they will do that in san francisco! I have seen some costing over $100/month! In MOST areas, expect to pay between $20 and $70 a MONTH.

And what would YOU offer THEM?

OK, I will do you a favor! FIRST, to help clarify your dream, I have checked out rentals in the area for you!

http://www.realtor.com/homesforrent/.../pg-2/sortby-1

WOW, one is *****CHEAP*****!

LOOK AT THIS! WOW!

WOW! WHAT A DEAL! OK, it is in San mateo, NEAR san francisco. A studio, Bath, 54Sf for $1399/month! CHEAP! HERE is the floor plan: http://info.rentnet.com/property/77/...an/577.f01.gif

But BUY IT QUICK! It asks you to check availability. BTW realize that a "fitness center" COULD be a small room with free weights. It is RARELY as implied!

I would say more, but I'm afraid I would go TOO far!

Steve

Whatever you do, don't start with debt...

Not only is this idea crazy, well... it's crazy!

Now If OP said he was going to buy the apartment building, live in one apartment & rent the other apartments, that would make sense.

Meanwhile while your waiting for the loan/lease approval, set aside some money for the bankruptcy lawyer.

The more I read this thread, the more I think we've all been had and the OP was a troll.

Surely nobody would be this ignorant...

[DELETED]

Taking big risks can pay off big or hurt hard.

Listen to me brother, don't ruin your credit...mines ruined and I can't even get a nice cell phone without paying an arm and a leg much less get a car, house etc...I'm not against you following your dreams but you need to work your way up not just borrow some money and hope for the best. When you prove to yourself you can make certain amount a money(needs to be at least a thousand) without borrowing money, then you should consider going up to the next level. If you go before then you're setting yourself up for failure.

[DELETED]

Move out your god damn parents house man jeez. I moved half way across the world when I was 18 and I now have a 8 month old daughter at 21. But don't get a loan. That sucks. You will end broke... and a joke... broke joke... joke broke... it rymes

You MIGHT get up to $5k, depending on how much income you can prove. No credit history and no income statements or ways to formally prove a steady flow of cash will make it difficult to land a loan.

Well, the OP hasn't really come back in here, so I'm assuming he either gets it or is too shameface to say anything.

Pretty much everything noteworthy has already been said, but I will add this: Sh*t happens, and if you don't have a strong foundation, one small slip could cost you dearly.

Don't rely on a few certain things falling into place - take advantage of the resources you have before you give them up and leave it to chance.

[DELETED]

A luxury high-rise condo/apartment in a major city will probably eat up that $30,000 within the first 12 months easily... you're probably looking at $2000-3000/month and that's just a guess on my part... Sounds like a bad plan to me... I mean it's nice to have goals but I don't think $30,000 will get you very far.

ABSOLUTELY NOT!

I give you props for being hustling since you were 13. Sounds like you are familiar with some ways of making money online already. Since you have no job history, credit history you will never get a loan or luxury rental. A lot of buildings, not only luxury, require an application, interview and background screening. The only way to get a loan & apartment is with a guarantor and I doubt your parents will help you from your description. Someone once told me that his coworker paid $18k in deposits to get in apartment in Manhattan because of bad credit.

My suggestion is tough it out with your parents & college for now and start earning IM money on the side. Scale up your operation where you are consistent and make at least $5k/month. Luxury apartment in SF is $2k+/month and add at least $1k for food, utilities, shopping, transportation, etc. You need to be making more to live that kind of lifestyle.

You COULD get by the credit history problem by....

1. Pay ALL CREDITORS, including the US government! It will likely be EXPENSIVE!
2. Save up an amount approaching the complete amount for the whole term for the contract. You may need the WHOLE amount. If it is a month to month contract, you probably want 4 months. 3 months is a quarter, and maybe tack on another in case. Actually going month to month is rare anyway. They often ask for 2 months to start. You CAN get the second month back, but that is LATER. And DON'T forget to add the security deposit!
3. Do SOMETHING to convince them that you will allocate it to that contract. Often this is done through a method known as a lien, where you are forbidden by law to sell it without them getting it first, or escrow, where a third party is contracted to keep it from either party until that part of the contract is done.
4. Get some references to your character, just in case, and clean your car, which should be in good repair! Some places ask for references, etc... BTW if you are young, have roomates, and sometimes young women, have a harder time! So that is ANOTHER strike against you! You are YOUNG! They worry about drugs, parties, and just being reckless.

THIS way, you will need NOTHING, except a LOT of money! You should probably start small, and it may only cost you about $3300, not including taxes, fines, interest, and penalties! THEN you can go to the luxury apartment where it may cost you about $240,000, not including taxes, fines, interest, and penalties. and you MIGHT be able to do something like pay this through some secured credit account, get credit for it, and get a FANTASTIC credit score, if you go the luxury route.

Steve

[DELETED]

Oh my goodness I just watched this short funny clip from Conan and the situation he lays out sounds eerily familiar.

Conan's Expert Advice On Quitting Your Job @ TeamCoco.com

Sound like someone's plan?

he he

I see you said this "But the thing is that they're always arguing and the negative vibe really effects me"

Beleve in your self dude ....

Dude i understand your situation

but getting a loan is the worst

never ever get into debt..

debt is what killed america as we know it

we americans have been living on borrowed credit since I was your age. imagine

living on a credit card and when that is maxed out getting another credit card and paying the min on one credit card and living off credit off the new one

then when that gets maxed out pay the min and get another credit card

and so on and so on

this is how we americans have been living for the past 50 years and then we say we have lived in prosperous times

crazy!!

here is what you do

if the situation is bad at home

then go look for an OFFICE.. you can find a nice office in a nice complex for $500 a month. you already said you can afford $800 so this should be good.

then get into a diciplined routine and head to the office and get to work

in a short amount of time with discipline focus you will start to cashflow.

once you feel comfortable.. then you can upgrade to a nicer office space

and so

but always on the cash flow you generate never on loan

then when you arrive to the point when your making bank... you realize with what you do for a living you can work from anywhere in the world..

and the world is your oyster


then you start exploring other countries and living in a country and see the world in a whole new light

good luck

Sounds like you have a wonderful plan for going broke quick!

Save your money.

Its better to have few wants than lots of needs.

Self indulgence doesn't sound all that entrepreneurial to me. It was the buy now - pay later mentality that broke our economy and put so many out on the street when the excrement hit the air conditioning. It's a lot more satisfying to be able to look at your lifestyle and be able to say "I earned this - I can afford it" than to continually seek out ways to buoy yourself up in a lifestyle that isn't REALLY yours to begin with.

I disagree with everyone. I think its a hell of a idea. Your going to get swamped with bills and then a good IMer would do what? WORK HARDER. Hopefully it pushes you to excel.

I live in a 1 and a half appartment...but I have 15,000$ in bank, no dept, and I will be able to afford investing in my business.

This beautiful place you want to live in might make you feel good for a while, you may impress some girls that will think you are bigshot, but after a while you will have to either go back to your parents, or live in a small place like me, except with a 30,000$ dept to pay back instead of 15,000$ of asset.

The 30,000$ dept is the wrong choice, but hey, I have made TONS of bad choices in my life and paid for it too...I can't blame you...you will live your experiences and learn, but 30,000$ will take you a good 5 to 10 years to pay back if you need to get bad job to pay it back cause you have no education, you will enjoy the big life short term, and live bad long to pay it back...this is the price you are likely to pay.

But seriously, I doupt a bank will loan you 30,000$ for this, and thank them for refusing you lol

Besides, if you think you will make money online fast enough to pay off that dept and keep the lifestyle...why don't you just avoid the risk, make that money as fast and you think, and then pay for the lifestyle with your money instead of the bank's ?

I say avoid the dept, but I know you probably made your decisions already.

Live and learn

first thing that springs to my mind is that I wouldnt want to be the company lending you money nor the company renting the condo. Why? because I would not want to feed your unrealistic expectations nor having you own me a lot of bucks after a few months.