Mystery solved.  

The mind of a banker is one of the mysteries of life, so I just assume they don't have a functioning brain now days.

I also see far too often owners cranking up the “other income” which can be quite mysterious and often not supported.

That may be another reason why its so hard to pay the $20K up front, its a mystery where it goes.  

Would be happy to help with this property/mystery, if not already solved.

So it's not as mysterious an endeavor as I thought, and it's legit.

Ahh the mysteries of learning how to work with other people in real estate.

Here is a quick breakdown Investment from an mystery investor 100,000 +20 year am, 6% balloon in 5 years Investment from me 25,000 Investment from Him 25,000-35,000 (depending on purchase price of the building) Additional 30,000 Spend from Him into the commercial building- No payments for Him for first 3 months- Balloon Payment from him OR refi on the 5 year term ( Flexible but is in our benefit to have interest accruing)So it would be refinanced or paid off at or before 5 years.

Occasionally I've seen bad cards that are nothing more than "James Bond, Man of Mystery" cards, which are just as bad. 

I also write fictional crime and investigation mystery's available on Amazon.