Thanks, Kathleen! I know exactly what you are saying, and in an ideal world, that would be great!
Unfortunately, we have a lot of deals like this from our main commercial lenders - customers have banked here FOREVER, wealthy individuals with a lot of different business dealings, they do loans for these customers all the time. So, we have a lot we will be "agonizing over" because we will never get a calculated debt service, details on what was considered for the lending decisions, details on the loan, etc.
We will get no more than what I go on this one: "Commercial loan to John Doe to purchase cattle. Primary source of repayment is income." Period. No amount of begging is going to change this.
When you dig in imaging, you find out that he has these various LLCs. You can look at the last tax return and see the income, then the revenues on the schedules. You can see (sometimes) the business financials, etc. So, I am left to make the determination myself.