Please tell me whether this is a good bargain or a bad one.

"Should I take this bargain, or should I flee?" Five-year-old lover asks for $165,000 loan with house as security.

The man I've been seeing for the past five years has asked me for a hard-money loan.

What are your thoughts?

This is the end of the three-year period of the loan he got from a third party. 

My financing is covered by his claim that he has enough equity in the property, he adds. 

That's why I don't want to sign a five-year contract for that money.

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