[jotucker1983]

and if they cannot wait that long?

Then that's further confirmation (in my opinion) that they shouldn't take out any further alternative funding (for right now).

For example, he stacked 3 times, what was the reason for all of those stacks? Is the business going through some sort of difficulty? Is he going to stack on the 12 month 1.65 deal next, but only this time his house is on the line, so when he "falls behind again" I'm going to have to hear about how his family is being put out on the street?

Nope, I wouldn't do the deal.