Replying to Steve, I really hope this works out for you better then I think it will, I can see him needing to get 25% down for a commitment but the breakdowns and money problems are not your problem, if he is not manager enough to swing a little job that size he has issues, the Jesus card is usually my first alert, a person of faith doesn't really have to display it on his bumper. seems like the worst I get screwed over, or attempted to, is by the ones with the Jesus bumper sticker. Good Luck!