The whole situation was shady, she kept changing her story every time she repeated it.

I bought an indoor thermometer from the hardware store and gave it to her.

Its an awful situation to begin with, but it looks like there are going to be added stresses with these people. 

@Mike Cumbie i know it is not always a set situation where you have the same experience.

The industry outlook is decent and the store upside is decent as well. 

Thanks @Brian Burke , @Joe Villeneuve and @Michael BishopIm in a wierd situation where I have the deals and the investors , just need to put it together where its worthwhile for me as well as the investors. 

I got referral from a near by Paint store.

Most people in your situation will have their parents as co-borrowers on the loan.

Thank you for the valuable points you made.my situation is something like this:-I can pay $7,000 in points and free up $115 in cash flow. 

I didn't run his application fee as I wanted to get more information on this situation.