the problem is that most people that price and underwrite deals think it's OKAY for monthly payments exceed 1/3 of monthly revenue, and it's not okay. You know what her payments are? 10k/month. Revenue? 18-20k. That is the problem, I am not saying she is not at fault. but how the heck do companies think they are going to get their money back when payments are hovering around half of gross revenue? Very few companies even consider that.