[nikkwong]

I feel like it would probably somehow go poorly like you're outlining. I have a naive version in my head as to how this could work out well; but I imagine in reality that this would be as nightmarish and stressful as possible, ending in a loss and putting me even further into the hole financially.

It's just so messed up. $24K of my money that they're holding; that's not all profit for me. It probably cost me at least $12K to generate that $24k. So I'm already so far in the hole that I can't afford to keep going deeper.