I have to seriously doubt any validity that the B&B is a real money making venture. She only needed 40k as the down payment to add to her 10% and come up with 50% down payment, which is the entire sale price of the home & business. So at an all in cost of 100k, the numbers don't suggest that the B&B is anything other than a non-lucrative hobby. Who knows, though. Maybe there's a real draw to visit Parowan, Utah, and stay with Meri and her mother.