 without the bank's knowledge under the table and when they discover that they'll call the whole mortgage and foreclose on him and take your house that you put a hundred fifty thousand dollars down on. Dumb. Oh, if the house burns, you've got no insurance, doofus, because you don't own the house and their homeowner's insurance doesn't cover you as a renter. They had to transfer that to fire and EC and they didn't do that either.