Exactly, why doesn't he take out the loan himself. I asked that and he just was adamant that it was a proposition for me and since its for me to earn supplemental income i have to take a loan out. Let me say i am not at all broke or in need of money but yet he thinks this would be great for me. He already has a business of the same type well I honestly think his dad owns it but he's very familiar with it. I don't know how much the criteria differs for a personal vs commercial loan but i'm thinking he has bad credit or something or possibly trying to fly under the radar because of his criminal background. Who knows? But its a big rig that he wants me to buy and I don't even know how to drive one!!! He even knew one was for sale and wanted me to buy that one. So he had already planned this evidently.