#hard cash loans

[vpcapital]

Using Your Debt-to-Income Ratio to Assess Your Eligibility for a Commercial Hard Money Loan

Your debt-to-income (DTI) ratio is one of the most important factors that lenders consider when determining whether to grant you a loan from a commercial hard money organization. This significant figure reveals the percentage of your income that is allocated to debt repayment. This blog post will explain how to calculate your DTI, what constitutes a reasonable ratio, and how analyzing this number can assist you in determining whether using a hard money business loan to finance your next project or the acquisition of commercial real estate is the best course of action.

Why is the debt-to-income ratio important and what does it mean?

Your monthly gross income is divided by the total amount of debt you pay off each month to determine your DTI ratio. The expressed value is a computed percentage.

Reputable Hard Partners in Partnership Investors in Cash

As important as determining whether this finance fits well with your DTI and overall financial profile is choosing the appropriate commercial hard money lenders as partners. Different hard money lenders have different characteristics. Make sure you carefully vet potential lenders before choosing one that provides:

• Adequately structured competitive rates and fees

• Adjustable qualification based on circumstances

• Fair terms and LTV ratios

• An integrity-based reputation

Working with investors such as yourself, VP Capital Lending has facilitated deals swiftly and effectively as skilled hard money lenders and commercial real estate financing experts. We can provide you with a tailored financing option for your next project after doing a comprehensive assessment of your current DTI situation. Reach us right away!

As important as determining whether this finance fits well with your DTI and overall financial profile is choosing the appropriate commercial hard money lenders as partners. Different hard money lenders have different characteristics. Make sure you carefully vet potential lenders before choosing one that provides:

• Adequately structured competitive rates and fees

• Adjustable qualification based on circumstances

• Fair terms and LTV ratios

• An integrity-based reputation

Working with investors such as yourself, VP Capital Lending has facilitated deals swiftly and effectively as skilled hard money lenders and commercial real estate financing experts. We can provide you with a tailored financing option for your next project after doing a comprehensive assessment of your current DTI situation. Reach us right away!

[ayvazcapitalgroup]

Cash Out Hard Money Loans Glendale CA | Ayvaz Capital Group

Ayvaz Capital Group offers cash out hard money loans in Glendale, CA, providing real estate investors with quick access to the equity in their properties. Whether you're looking to expand your portfolio or manage unexpected expenses, our easy approval process ensures you get the funds you need in as little as 7 days. Apply now and unlock the value of your real estate investments.

[accolend]

[hardmoneymarket]

Essential Considerations for Refinancing Your Commercial Property | Hardmoney Market

Discover the essential factors to consider when refinancing your commercial property, including interest rates, loan terms, and property value, to maximize your investment returns.

[yanderedrabbles]

Yandere Mobster

Chicago - 1931 The Height of Prohibition The mafia is earning top dollar smuggling alcohol into the country. And one mobster has his eye on you.

Yandere! Mobster who's a made man, who drives a nice car even after the stock market crash forced most people to sell theirs.

Yandere! Mobster who wears a tailored suit and fedora, his black hair swept back. Who everyone in the neighbourhood says is a good guy, a decent man, even if he does work for the don.

Yandere! Mobster who pulls up next to you when you're walking home from work. It's late and clouds are scudding across the moon.

Yandere! Mobster who leans out his window and offers to drive you home. Who says these streets ain't safe for a pretty girl like you.

Yandere! Mobster who's known you since you were children. Two kids from immigrant families, playing together in the tiny bits of open space your apartments could offer.

Yandere! Mobster who keeps looking at you and marvelling at how grown up you both are. Where did that scruffy little girl go? And when did you get so pretty?

Yandere! Mobster who spends the whole drive chatting about old times. Who makes you laugh at his stories about running from the landlady and stashing his school books behind the canteen.

Yandere! Mobster who leans over you and pulls the door closed when you move to get out. Who looks you dead in the eye when he asks if you're having trouble with your rent.

The mob is a big part of the community afterall, and he knows just about everything.

You drop your eyes, embarrassed. Your brothers have their own families to care for, you say. Things are hard but if you pick up a few more shifts at the factory, you might manage it.

Yandere! Mobster who sighs and digs in his suit pocket. Who pulls out a stack of cash and counts it right in front you.

Yandere! Mobster who offers you enough for two months of rent. A small fortune to someone from your part of town.

You shake your head, horrified. You can't afford the interest, you tell him.

Yandere! Mobster who scoffs and asks if you really think he's offering a loan when you've known each other for years? It's a gift, to keep your mama out of the cold.

Yandere! Mobster who smiles at the hesitant way you accept the money. You're too proud to ever ask for help and he knows it. Just like when you were kids.

Yandere! Mobster who gets out and opens the car door for you like a gentleman, even if he knows the whole apartment building will talk about it.

Yandere! Mobster who grins that charming, good guy smile even though he has a gun holstered under his jacket and a shovel in the trunk. Who says he'll consider things even if you cook him dinner some time.

Yandere! Mobster who visits your ma while you're at work. Who tells her he's interested in you and wants her blessing. And your ma is all too happy to give it. He's such a good boy, she says, and she knows he's always had a soft spot for you.

Yandere! Mobster who insists on driving you home after work everyday. Even when you blush and complain that he's going out of his way.

Yandere! Mobster who gratefully accepts the gifts you offer him. Fresh baked bread, jars of your mama's famous marinara sauce, homecooked meals... Who eats so much better when you take care of him.

Yandere! Mobster who eventually runs out of luck and straight into trouble. What was supposed to be a routine whiskey delivery turns out to be a sting operation.

Yandere! Mobster who sees his partner get a hole blasted right through him and almost die. Who fires at the cops until his tommy gun is red hot and smoking. Who ends up with so much blood on his hands he ain't sure it will ever wash off.

Yandere! Mobster who finds himself at your door afterwards, his coat drenched by the rain.

Yandere! Mobster who doesn't resist when you pull him inside and strip away his jacket and shirt. There's blood on your hands after you hang up his coat, and you pretend not to notice it.

Yandere! Mobster who can see your curiosity fighting against your sense. In the end, you don't ask him a single question about it.

Yandere! Mobster who sinks gratefully into the bath you draw for him. And who falls asleep the second his head hits your pillow.

Yandere! Mobster who's gone by morning. His bloodstained coat gone with him.

Yandere! Mobster who asks around about you and finds out you've got a whole score of fellas vying for your hand.

Yandere! Mobster who let's it be known that he's interested in you and watches with satisfaction as all your potential suitors drop away.

Except for one. He just spits and says you're a grown woman and can choose your own man.

Yandere! Mobster and his buddies pick the guy up after a late shift. Tie his hands behind his back and gag him before they toss him in the trunk.

Yandere! Mobster who beats the shit out of him. Who breaks his nose with a knuckle duster and his ribs with a crowbar. Who grabs his hair with bloody fingers and hisses that you're off limits.

Yandere! Mobster whose buddies lounge against the warehouse wall and smoke, never bothering to question what a simple dock worker did to deserve such a brutal beating.

Yandere! Mobster who sniffs your hair when you hug him. He's like a dog - always making sure other men haven't left their scent on you.

Yandere! Mobster who let's his hands wander when he takes you out dancing. Who kisses you goodnight and let's his lips brush your neck before he pulls away.

Yandere! Mobster who goes home and jerks off to you, his teeth bared and head bent forward. Who snarls at you to take it, take it like a good girl.

Yandere! Mobster who tells his don about you - how pretty you are, how clever, how discreet. The man leans back in his chair and pulls on his cigar.

She'll never make a liar of you. You should marry her just for that.

Yandere! Mobster who shows up at your door a week later, an engagement ring burning a hole in his pocket.

Be my girl. And I promise I'll take care of you.

You think about the night he came to you covered in blood and not speaking a word. You think about your friend from the docks and the way he dissappeared. You think about the way people look away when you're with him in public.

You say yes, as though you have a choice.

[the-merchant-cash-ceo]

owning and running your own merchant cash advance business

i dont know were this is going to go but i guess i can use this as a way to express my thoughts is hard running your own business its even harder when you running a business about money as a owner sometimes you want things your way but i feel like some times you just have to let things go and like they say put it in gods hands some times you have to be firm and some times you got to be light hearted but you want to make sure you dont get stepped on if you make money and your guys dont hit there mark you cant celebrate be cause you become a show off its more than my self i know but i look to maximize every opportunity and some ppl dont get the bigger picture but as i turn in to a ceo there are tons of hurdles but we have to man up keep the money coming in in order for the business to bloom id like the world to share some of there experiences as owners so i dont feel like im the only one should i just let my management do what they want if i do i feel like i lose power what do you guys think

[natalieironside]

So I used to be a pizza deliver driver, and that was pretty great for me; it made me feel like a video game character doing Quests. And when you started your shift as a driver, you got a wad of 15 singles for making change which was deducted from your tips at the end of the night. And this was back in the very early 20teens so $15 American just so happened to also be the price of half a tank of gas and a pack of Marlboro reds, so it was often also a sort of interest-free loan.

Now, a trope in pornography which was once so common that I myself have never actually seen a genuine portrayal of it but only seen it parodied runs thusly: A brave hero is delivering a pizza to some beautiful person who, upon receipt of the pizza, says, "Unfortunately I don't have any money; could I perhaps cover the cost of the pizza with sexual favors?" And always the hero agrees to this Faustian bargain which I'm sure must seem quite reasonable to you uninitiated civilians.

But, see, I'm making minimum wage. I have no savings. And I already spent my bank on half a tank of gas and a pack of Marlboro reds. So I'm $15 in the hole, and do you know what happens when you don't cash out at the end of the night? The manager calls the cops, and the cops come to your house. Mr. Domino is gonna get his $15 back by hook or by crook. I seen it happen. So if I accept the beautiful person's modest proposal, I'm mortgaging future tips against the $15 *and* the price of the pizza--which can get up there, depending on the order--and if I don't fix those books by the end of my shift, that could get to be a real pain in my ass.

Just doesn't make sense, y'know, from like a business perspective. Maybe it'd be worth a gamble. Maybe if it was like a beautiful woman who was a service top and also a werewolf, maybe you roll the dice and hope for the hard 6. But you gotta be risk-aware, is all I'm sayin.

[andhumanslovedstories]

for people who also have a mild impulse shopping problem, I've found it useful to identify the itch I want to scratch: is it spending money or is it getting things? If it's spending money, I trick my brain by paying off something I owe. Like a few years back when I was feeling dangerously shoppy, I would drop a big chunk of change as a student loan payment. When I was buying an entire new mouth of teeth, I'd transfer money from my checking to my secret ultra hard to access tooth account.

If paying myself or paying a debt doesn't work, I find a charity or gofundme that's worth supporting. (You gotta be careful with that last one, it's really easy to be spend way more than you should, budget-wise, because it makes spending money feel good morally, which can be an incentive to keep going.) I also like to keep cash on hand so if I see someone who needs money, I can give it to them. It's a financial decision made impulsively for an opportunity I won't get again (giving $20 to this exact person at this moment of need). All this soothes the spending beast inside of me, and I don't deal with the Money Shame that comes with $100 of amazon orders.

If I want to acquire things, I download a lot of research articles I know I probably won't read, or I get an enormous stack of books from the library that would be impossible to finish before I have to return them, or I'll download a bunch of albums I tell myself I'll get to someday. Sometimes it's enough to just make a list of things of things I want to do or own. A list of one hundred movies I've curated from best of lists that in this moment I feel motivated to watch. Add tv shows to my watch list on netflix. Add fics to my "to read" list on ao3. Anything that feels like I'm adding to a hoard.

If I still want to shop, well, I'm probably gonna spend more money than I mean to, but I at least make sure I'm deliberate about my spending. If I'm gonna blow my cash on something, it should at least be worth it. That means either very cool or very useful. And honestly, the things you tell yourself are useful while in the shopping haze are never that useful, so you might as well go for very cool.

This is all to say I fell into a trance last night and this morning woke to receipts and tracking info from etsy dot com. And I am like "yikes." But I did get something that is so so so stupid that I can't wait to show it to you all when it arrives.

[fiscuscapitalfunding]

Wondering to learn how to obtain funds, loans, and credit cards for new businesses in the USA? To strengthen a new business, Fiscus Capital's experts help business owners accomplish all their financial and funding needs quickly and without any hassle.

Get to know about Fiscus Financial and Funding services that include Merchant Cash Advances, Personal Loans, Equipment Financing, Business Credit Cards, Cash-Out Refinancing, Fix & Flip Financing, Hard Money Loans, International Real Estate, Accounts Receivable, etc.

[mostlysignssomeportents]

Cars bricked by bankrupt EV company will stay bricked

On OCTOBER 23 at 7PM, I'll be in DECATUR, presenting my novel THE BEZZLE at EAGLE EYE BOOKS.

There are few phrases in the modern lexicon more accursed than "software-based car," and yet, this is how the failed EV maker Fisker billed its products, which retailed for $40-70k in the few short years before the company collapsed, shut down its servers, and degraded all those "software-based cars":

https://insideevs.com/news/723669/fisker-inc-bankruptcy-chapter-11-official/

Fisker billed itself as a "capital light" manufacturer, meaning that it didn't particularly make anything – rather, it "designed" cars that other companies built, allowing Fisker to focus on "experience," which is where the "software-based car" comes in. Virtually every subsystem in a Fisker car needs (or rather, needed) to periodically connect with its servers, either for regular operations or diagnostics and repair, creating frequent problems with brakes, airbags, shifting, battery management, locking and unlocking the doors:

https://www.businessinsider.com/fisker-owners-worry-about-vehicles-working-bankruptcy-2024-4

Since Fisker's bankruptcy, people with even minor problems with their Fisker EVs have found themselves owning expensive, inert lumps of conflict minerals and auto-loan debt; as one Fisker owner described it, "It's literally a lawn ornament right now":

https://www.businessinsider.com/fisker-owners-describe-chaos-to-keep-cars-running-after-bankruptcy-2024-7

This is, in many ways, typical Internet-of-Shit nonsense, but it's compounded by Fisker's capital light, all-outsource model, which led to extremely unreliable vehicles that have been plagued by recalls. The bankrupt company has proposed that vehicle owners should have to pay cash for these recalls, in order to reserve the company's capital for its creditors – a plan that is clearly illegal:

https://www.veritaglobal.net/fisker/document/2411390241007000000000005

This isn't even the first time Fisker has done this! Ten years ago, founder Henrik Fisker started another EV company called Fisker Automotive, which went bankrupt in 2014, leaving the company's "Karma" (no, really) long-range EVs (which were unreliable and prone to bursting into flames) in limbo:

https://en.wikipedia.org/wiki/Fisker_Karma

Which raises the question: why did investors reward Fisker's initial incompetence by piling in for a second attempt? I think the answer lies in the very factor that has made Fisker's failure so hard on its customers: the "software-based car." Investors love the sound of a "software-based car" because they understand that a gadget that is connected to the cloud is ripe for rent-extraction, because with software comes a bundle of "IP rights" that let the company control its customers, critics and competitors:

https://locusmag.com/2020/09/cory-doctorow-ip/

A "software-based car" gets to mobilize the state to enforce its "IP," which allows it to force its customers to use authorized mechanics (who can, in turn, be price-gouged for licensing and diagnostic tools). "IP" can be used to shut down manufacturers of third party parts. "IP" allows manufacturers to revoke features that came with your car and charge you a monthly subscription fee for them. All sorts of features can be sold as downloadable content, and clawed back when title to the car changes hands, so that the new owners have to buy them again. "Software based cars" are easier to repo, making them perfect for the subprime auto-lending industry. And of course, "software-based cars" can gather much more surveillance data on drivers, which can be sold to sleazy, unregulated data-brokers:

https://pluralistic.net/2023/07/24/rent-to-pwn/#kitt-is-a-demon

Unsurprisingly, there's a large number of Fisker cars that never sold, which the bankruptcy estate is seeking a buyer for. For a minute there, it looked like they'd found one: American Lease, which was looking to acquire the deadstock Fiskers for use as leased fleet cars. But now that deal seems dead, because no one can figure out how to restart Fisker's servers, and these vehicles are bricks without server access:

https://techcrunch.com/2024/10/08/fisker-bankruptcy-hits-major-speed-bump-as-fleet-sale-is-now-in-question/

It's hard to say why the company's servers are so intransigent, but there's a clue in the chaotic way that the company wound down its affairs. The company's final days sound like a scene from the last days of the German Democratic Republic, with apparats from the failing state charging about in chaos, without any plans for keeping things running:

https://www.washingtonpost.com/opinions/2023/03/07/east-germany-stasi-surveillance-documents/

As it imploded, Fisker cycled through a string of Chief Financial officers, losing track of millions of dollars at a time:

https://techcrunch.com/2024/05/31/fisker-collapse-investigation-ev-ocean-suv-henrik-geeta/

When Fisker's landlord regained possession of its HQ, they found "complete disarray," including improperly stored drums of toxic waste:

https://techcrunch.com/2024/10/05/fiskers-hq-abandoned-in-complete-disarray-with-apparent-hazardous-waste-clay-models-left-behind/

And while Fisker's implosion is particularly messy, the fact that it landed in bankruptcy is entirely unexceptional. Most businesses fail (eventually) and most startups fail (quickly). Despite this, businesses – even those in heavily regulated sectors like automotive regulation – are allowed to design products and undertake operations that are not designed to outlast the (likely short-lived) company.

After the 2008 crisis and the collapse of financial institutions like Lehman Brothers, finance regulators acquired a renewed interest in succession planning. Lehman consisted of over 6,000 separate corporate entities, each one representing a bid to evade regulation and/or taxation. Unwinding that complex hairball took years, during which the entities that entrusted Lehman with their funds – pensions, charitable institutions, etc – were unable to access their money.

To avoid repeats of this catastrophe, regulators began to insist that banks produce "living wills" – plans for unwinding their affairs in the event of catastrophe. They had to undertake "stress tests" that simulated a wind-down as planned, both to make sure the plan worked and to estimate how long it would take to execute. Then banks were required to set aside sufficient capital to keep the lights on while the plan ran on.

This regulation has been indifferently enforced. Banks spent the intervening years insisting that they are capable of prudently self-regulating without all this interference, something they continue to insist upon even after the Silicon Valley Bank collapse:

https://pluralistic.net/2023/03/15/mon-dieu-les-guillotines/#ceci-nes-pas-une-bailout

The fact that the rules haven't been enforced tells us nothing about whether the rules would work if they were enforced. A string of high-profile bankruptcies of companies who had no succession plans and whose collapse stands to materially harm large numbers of people tells us that something has to be done about this.

Take 23andme, the creepy genomics company that enticed millions of people into sending them their genetic material (even if you aren't a 23andme customer, they probably have most of your genome, thanks to relatives who sent in cheek-swabs). 23andme is now bankrupt, and its bankruptcy estate is shopping for a buyer who'd like to commercially exploit all that juicy genetic data, even if that is to the detriment of the people it came from. What's more, the bankruptcy estate is refusing to destroy samples from people who want to opt out of this future sale:

https://bourniquelaw.com/2024/10/09/data-23-and-me/

On a smaller scale, there's Juicebox, a company that makes EV chargers, who are exiting the North American market and shutting down their servers, killing the advanced functionality that customers paid extra for when they chose a Juicebox product:

https://www.theverge.com/2024/10/2/24260316/juicebox-ev-chargers-enel-x-way-closing-discontinued-app

I actually owned a Juicebox, which ultimately caught fire and melted down, either due to a manufacturing defect or to the criminal ineptitude of Treeium, the worst solar installers in Southern California (or both):

https://pluralistic.net/2024/01/27/here-comes-the-sun-king/#sign-here

Projects like Juice Rescue are trying to reverse-engineer the Juicebox server infrastructure and build an alternative:

https://juice-rescue.org/

This would be much simpler if Juicebox's manufacturer, Enel X Way, had been required to file a living will that explained how its customers would go on enjoying their property when and if the company discontinued support, exited the market, or went bankrupt.

That might be a big lift for every little tech startup (though it would be superior than trying to get justice after the company fails). But in regulated sectors like automotive manufacture or genomic analysis, a regulation that says, "Either design your products and services to fail safely, or escrow enough cash to keep the lights on for the duration of an orderly wind-down in the event that you shut down" would be perfectly reasonable. Companies could make "software based cars" but the more "software based" the car was, the more funds they'd have to escrow to transition their servers when they shut down (and the lest capital they'd have to build the car).

Such a rule should be in addition to more muscular rules simply banning the most abusive practices, like the Oregon state Right to Repair bill, which bans the "parts pairing" that makes repairing a Fisker car so onerous:

https://www.theverge.com/2024/3/27/24097042/right-to-repair-law-oregon-sb1596-parts-pairing-tina-kotek-signed

Or the Illinois state biometric privacy law, which strictly limits the use of the kind of genomic data that 23andme collected:

https://www.ilga.gov/legislation/ilcs/ilcs3.asp?ActID=3004

Failing to take action on these abusive practices is dangerous – and not just to the people who get burned by them. Every time a genomics research project turns into a privacy nightmare, that salts the earth for future medical research, making it much harder to conduct population-scale research, which can be carried out in privacy-preserving ways, and which pays huge scientific dividends that we all benefit from:

https://pluralistic.net/2022/10/01/the-palantir-will-see-you-now/#public-private-partnership

Just as Fisker's outrageous ripoff will make life harder for good cleantech companies:

https://pluralistic.net/2024/06/26/unplanned-obsolescence/#better-micetraps

If people are convinced that new, climate-friendly tech is a cesspool of grift and extraction, it will punish those firms that are making routine, breathtaking, exciting (and extremely vital) breakthroughs:

https://www.euronews.com/green/2024/10/08/norways-national-football-stadium-has-the-worlds-largest-vertical-solar-roof-how-does-it-w

Tor Books as just published two new, free LITTLE BROTHER stories: VIGILANT, about creepy surveillance in distance education; and SPILL, about oil pipelines and indigenous landback.

If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2024/10/10/software-based-car/#based

[goldfades]

YOUR BEST FAN !!! ── NICHOLAS CHAVEZ

─ summary | only fans creator with nick, what could possibly happen? ─ warnings | NSFW under the cut. oral (m. receiving), heavy praise, really rough, there's a camera involved (i think i have a thing for cameras ngl), pretty much face-fucking

─ ev's notes ! | i wanna make this a series sooooo bad omfg. also!! I AM NOT TRYING TO GLORIFY OF OR ANYTHING LIKE THAT, pls this is just fictional

free palestine carrd 🇵🇸 decolonize palestine site 🇵🇸 how you can help palestine

When you began dating Nick, you had just began your “business.” You honestly didn’t think much of it at the time—just a little side hustle to pay the your student loans and to have some extra cash for things that you liked. It wasn’t supposed to get this serious, and neither was he.

Nick was different from the start, though. Kind, caring, and completely unaware of the other side of your life. You liked it that way, at first. It was easier to keep things separate, to pretend like this secret world didn’t have to collide with his.

However, when you had realized you'd have to tell him before someone else did, it was too late. Nick had already found your secret Twitter account. You saw it in his eyes the moment he walked through the door—he knew. He didn’t have to say anything for you to feel the dread bubbling in your chest, the panic rising as you mentally prepared for the inevitable conversation.

The worst part? He recognized everything—the background, the subtle details of your room, and, of course, those familiar, sweet sounds you made when you thought no one was listening.

When he brought it up, his voice was calm but direct. “So... I found something interesting today.”

Your heart stopped. There it was. The moment you’d feared. You opened your mouth to speak, to explain, to do anything that might save this, but no words came out. You were certain he’d break up with you on the spot.

“Are you... mad?” You spoke, your voice shaky as you looked up at him. There was shame in your expression, and a little bit of anxiety, you couldn't believe he'd found it.

You thought it was done, over. Until Nick’s lips curved into a smug grin, one that caught you completely off guard.

“Mad?” Nick repeated, shaking his head as he kneeled in front of you. “No, baby. No, not at all.”

You blinked in disbelief, searching his face for any sign of anger or disappointment, but all you found was that same possessive glint in his eyes, the one that sent a thrill down your spine. He was calm, way too calm, and that only made your heart race faster.

“If anything,” Nick continued, his voice low and steady, “I think it’s kinda hot. Knowing they can all watch, but they can’t touch. Not like I do.” His hand slid up your thigh, making your breath hitch. “They can’t make you feel the way I do.”

You swallowed hard, still trying to process what was happening. This wasn’t the reaction you expected at all. In fact, it almost felt like he enjoyed the power of it, the idea that while others watched from a distance, he was the only one who truly knew you, who had you.

The iPhone flash was bright as you blinked, trying to adjust to the sudden light. You were in the car with Nick, driving home from a date night when he suggested the idea. “What if I joined you, in one of the videos?”

That was you ended up in the backseat, in between Nick's legs. The car was parked in an empty parking lot, and you really hoped that nobody was around. However, the thought of getting caught sent a nervous thrill down your spine.

“Look at me,” he instructed, his voice firm but laced with that same cocky confidence from earlier. The phone in his hand hovered just above your head, framing you perfectly in the shot.

Your heart raced as you met his eyes, a mix of nervous energy and excitement coursing through you. He had a way of making you feel completely exposed, and not just physically. This wasn’t like your usual videos—it was different. There was something about him behind the camera that made it feel so much more intimate.

“That’s it,” Nick murmured, shifting the angle slightly as his eyes flickered between the screen and you. “You look so good like this, baby. Don’t be shy.”

God, your pussy was soaked already. You couldn't help but let out a small moan as your hands reached up toward his thighs, gripping them tightly as your lips curved into a smile.

His thighs tensed under your grip as you leaned back against him, your body instinctively seeking the comfort of his touch. The intimacy of the moment—his presence, the weight of his gaze, the phone capturing everything—felt so much deeper than any other time you’d recorded.

You pulled down his shorts and boxers easily, and you heard him let out a satisfactory moan. You blinked up at the camera again, the smile still evident in your soft features. His cock was in frame now, it was mouth-watering to look at; his tip was leaking with pre-cum, the color was a deep shade of red.

Nick’s free hand found its way to your heads, his fingers curling into your hair, sending a shiver through you. “That’s my girl,” he praised softly, his voice a mix of admiration and possessiveness. “Go ahead, baby. Don't get all shy now,” he let out a dark chuckle as he pushed your head further down.

The feeling of his tip brushing against your lips made your stomach squeeze in anticipation. You opened your mouth, humming at the familiar taste of him as you blinked up at the camera. You could feel the heat pool between your legs as you took more of him in your mouth, his head falling back as he let out a sharp grunt.

The grip he had in your hair tightened as he pulled your head up and down, just how he liked it. You let out broken moans, muffled by his cock as your gripped his thighs. Your eyes were watering as his tip began hitting the back of your throat repeatedly, making you gag.

But Nick wasn't in the mood to be slow tonight, not at all. And you didn't mind one bit. “Fuck, yeah,” he groaned as he felt your moans vibrate against his cock. He moved the camera to get a closer look at your face—your makeup was all running, your hair was a mess.

And you still looked so fucking sexy.

The fact that you were doing this here, in the backseat of his car in an empty lot, only heightened the sensation for him. It felt risky, thrilling, and yet entirely safe with Nick.

He continued his assault on your throat, his moans echoing in the car before pulling you off abruptly. You opened your eyes, breathless as you gazed up at the camera. Your breath hitched when his hand slid from your hair to your jaw, tilting your face slightly toward the camera. The lower half of your face was completely covered in salivia and pre-cum, the sight almost orgasmic to Nick.

He let out a soft moan at that, before pushing you back onto his cock, continuing with the same brutal pace. His grip in your hair was almost too tight, it was almost painful but the sounds of his praise and moans kept you going.

“That’s it,” Nick grunted loudly, clearly satisfied, his voice growing even lower. “All fucking mine.”

With one last thrust into your warm mouth, Nick was spilling into your mouth as you moaned loudly against his cock. The taste was heavenly and you did your best to swallow all of it, savoring it. After a few seconds he pulled you off his cock, taking you in with all your glory.

Your eyes were red, your make-up was running down your fucked-out eyes, lips all red and wet, and your face was covered in saliva. He loved when you got sloppy, it was his favorite sight in the whole word.

Nick’s hand moved from your hair, fingers gently grazing your skin before settling on your cheeks, gripping them sightly. He tilted your face toward the camera with a deliberate touch, his thumb brushing your lips. “Give me that smile,” he murmured, his tone soft yet commanding.

You felt the heat rise in your chest, and despite the tension, a small smile tugged at your lips. Your eyes met his, locking onto the intensity of his gaze.

“That’s my pretty girl,” Nick whispered, his voice dropping into something even deeper, almost a growl. “All mine.”

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[warping-realities]

All For The Family - Part I

That was the only part of his job that Brian dislike, even though it was necessary. To justify what he had to do, he told himself those folks deserved it, that they should’ve been more careful with their own bills and the loans they took out, and paid their mortgage right. It wasn’t his fault. He was just there to deliver the truth they were probably expecting anyway. He tried to adopt a “don’t shoot the messenger” attitude while also showing he felt for their situation, even though he still had to do his job. That rarely worked in the two years he’d been doing that gig, and this time was no different. The blonde 24 years old man, rockin' a sharp suit that fit him like a glove on his skinny frame paired with his glasses, he was supposed to look classy and confident. Which clearly didn’t have the intended effect on the crowd he was facing. Standing in front of him with his arms crossed and a look on his face like he just sucked on a lemon was the biggest man Brian had ever seen in his life.

“You gotta understand, Mr. Abernathy, that the promissory note’s overdue again. If you don’t cough up the cash, the bank won’t have any choice but to foreclose and take your land to auction.”

“I get it, kid, but it seems like you’re the one refusing to understand. Tomorrow, I’m getting another hand to help with the harvest, and we’ll pay up all the back dues and even get ahead on a few!”

“Mr. Abernathy… Roy, can I call you Roy?” Brian asked with a smile he hoped was friendly and not showing the frustration he felt at that moment.

“My friends call me Roy, kid; you ain’t my friend.”

Brian let out a sigh at that response and decided to drop the pleasantries, taking a more hard-nosed approach.

“Well, Mr. Abernathy, I hate to break it to you, but if that promise of yours doesn’t pan out, I’m afraid that come the first of next month, you and your family are gonna have to vacate this property.”

“Save your worries for yourself, kid, while you hightail it off my land, ‘cause for now, I’m the one who decides who comes and goes around here.”

“If you weren’t planning on negotiating at all, why’d you make me drive all the way out here?”

“‘Cause there are some things that need to be said and done face-to-face, son.”

“Well, next time, just call me if you got something important to say!”

With a huff, Brian turned his back on the older, muscular man and headed toward the sports car parked behind the big barn that flanked the simple but well-kept farmhouse.

As he watched the kid walk away, unaware of the wave of golden sparks emanating from him, Roy murmured to himself, “Next time we talk, you’ll take whatever I say as important, boy!” He said, flashing a wide grin before turning to a figure that was approaching. “Is it done?” he asked, his smile widening at the answer.

That spat with the Abernathy family patriarch left Brian pissed off. Still, he couldn’t shake the thought that it might be through his work that those folks would lose everything. At the same time, he knew that if it were his older brother knocking on that door, dressed in his cop uniform, the treatment would’ve been a whole lot different. Of course, he could never pull off Lucas's job. Lost in those gloomy thoughts, he took a while to realize that the gas tank he filled up that very morning was nearly empty, and it was only when a beeping alert rang out that he noticed.

“Damn, how is this possible?” he exclaimed to the empty car as he pulled over to the side of the road and weighed his options. Looking at his cell, he found he was out of signal. The nearest town was miles away. The only option left...

“Damn!” he yelled again, getting out of the car and shrugging off his suit jacket, heading toward the Abernathy’s place, wondering what kind of reception he was gonna get. No matter how much empathy he might have started to feel for those folks, it surely wouldn’t be mutual. Halfway to the farm, the already bad situation took a turn for the worse when rain started pouring down, soaking Brian's expensive clothes.

For the first time in his life, he felt like he was being punished by some higher power for doing that job, and he was sure of it when he ran smack into the person he needed but didn’t want to see: Roy Abernathy in all his bulk! He was standing in front of an old Ford pickup, arms crossed again, but this time with a grin that Brian would’ve usually taken for some petty celebration, but at that moment it seemed to him to have more sincerity than he was used to seeing from “clients.” The man was with someone who could only be his son, given the huge resemblance between the two. Those behemoths made for a frightening sight for Brian, leaving him speechless. However, he didn’t even get a chance to speak, as Roy started the conversation for him.

“Looks like you need a little help, son. Where’s your fancy car?”

“I… the gas…”

“Oh, I get it; it’s real reckless to be out here with an empty tank.” The man said, still grinning, and Brian initially felt like he was just saying that to mess with him. But quickly, a small voice in the back of his mind disagreed; the Abernathys weren’t stingy like that. That new, dissenting voice made him hold his tongue and respond more calmly than expected.

“I don’t know what happened; I left town with a full tank. And… I… um… I’ll need some help, yeah.”

“Sorry, son, what was that?”

“I said I need help, if you could… please?!” He replied louder, though he was pretty sure the man heard him.

“Of course I can help, son. Out here, we all pitch in, no matter who you are.” Another jab, and once again something made Brian hold back; he deserved that treatment, the little voice said, and he would take it like a man, like the man he was. Roy smiled again, apparently noticing that the young man was holding back from snapping back.

“Thanks, sir. Now, if you could just follow me to the car and get me some gas…”

“No, son, you’re soaked through. Let RJ and me take care of that; you go to my house and talk to my wife; she’ll get you some dry clothes and a hot meal.”

“I’d rather go to my car…”

“No arguments, kid; do what I said!” Roy replied, his face turning serious.

“I… I… fine!” Brian said, biting back his anger and trudging down the road.

“That one’s a bit rough around the edges.” RJ commented to his dad as he watched Brian walk away.

“Oh, but he’s starting to behave, and there’s nothing wrong with him being a little rough, son, as long as he uses that attitude in the right way…”

“Dad, are you sure? This mumbo jumbo sounds crazy… and the risk we took, messing with that guy’s car. What if he noticed?”

“What are the odds a guy like that knows how to handle a car, Junior? At least for now.”

“Dad, what you’re talking about doing… it’s impossible…”

“Son, you’re gonna have to trust me on this; believe me, it’s already started. Tomorrow at this time, we’ll have the help we need and one heartless drone less in the world.”

“But how? How can you be sure? Have you done this before?” The young man asked.

“No, Junior, I haven’t.” Roy replied, looking quite uncomfortable and avoiding eye contact with his son. “But since you apparently doubt your old man’s word, maybe you should trust your own eyes; take a quick look now, and you’ll see something unique.”

“What the hell? What is that, Dad?” The boy asked, seeing the golden sparks surrounding the man who walked, seemingly unaware of anything strange.

“That, my boy, is the solution to our problems; now hurry up.”

As father and son climbed into the old pickup, an oblivious Brian, unaware of their plans for him, arrived at the farmhouse door. The moment he raised a hand to knock, the door swung open suddenly, and he found himself facing a beautiful woman with bronzed skin and black hair streaked with gray, whose age he couldn’t quite pin down, though he knew she was Abernathy’s wife. The woman looked at him with a warm face that, for some unknown reason, sent a shiver down his spine.

“Well, well, what do we have here? A lost kitten? How can I help you, sugar?”

“Um… I’m sorry, ma’am. I… Mr. Abernathy told me to come here and… hum… change clothes while he looks at my car.”

“You’re soaked, poor thing! Come on in, come on in. I’ll ask Debra to get you some of RJ’s clothes. Be a good boy and wait right here; I don’t want my carpet all wet!” The woman said in a whirlwind, pulling him inside the house and leaving him standing at the threshold. Brian, for his part, had to control himself not to run back out into the rain, as something urged him to get out of that place as fast as possible. Holding himself back, he waited until the woman returned with a young girl about his age, just as pretty as the mother, in a floral dress.

“Debra will take you to RJ’s room; you can dry off and wear some of his clothes until the boys bring your car back. Meanwhile, I’ll whip up some dinner; a big boy like you must eat as much as my husband and son!”

“I… actually…” Brian started, but he gave up announcing his intention to leave as fast as possible upon receiving a look from Mrs. Abernathy that simultaneously showed expectation and reprimand. “Thank you, ma’am.”

“Great, now let’s go, let’s go! You’re soaking my carpet!”

Brian followed Debra up to one of the rooms on the second floor of the house. Upon entering, he was surprised to find it was a double room. Did the Abernathy kids, brother and sister, share the same room?

“I’ve set aside some of RJ’s clothes for you; they might be a bit big, but at least they’re dry.” The girl said, smiling between the two beds in the room. Brian couldn’t help but ask.

“You sleep here with your brother?”

“God, no, eww! That bed’s for my other brother!”

“I didn’t know that… wait… there’s no record of the Abernathys having another kid in the paperwork given to the bank!”

“Shhh… relax; there’s no need to stress about that, it’s not important. You city folks with your data, your records, your… contracts. Life is so much more than that, you know? So why don’t you chill for a bit, dry off, and head down? Dad’s gonna want to talk to you.” The girl replied and left the room, leaving a very confused Brian behind. He was still pondering the family’s strange behavior as he undressed and wondered what the hell Roy Abernathy would want to talk to him about. He wasn’t fooling himself thinking it could be something good for his job, not after the confrontation they had just had.

After drying off and getting ready to put on RJ's much larger clothes, the little intrusive voice invaded his mind again. Whatever Roy had to say was important, and he should listen and obey, just like he always had. Before his mind could fight back against that, a beam of golden sparks emanated from his body, and both the intrusive voice and the need to resist it vanished from Brian's mind. In fact, all thoughts disappeared. He couldn't tell how long he stood there, just breathing, with his mind blank of thoughts or worries.

He only returned to reality when someone caught his attention.

“What are you doing just standing there, brother?” A deep voice asked, startling him awake. Turning quickly, Brian found himself face to face with Abernathy’s son, RJ. He’d only seen him briefly on the road, but now he was just a few inches away. RJ lacked the bulk of his father, but that didn’t mean he was small. On the contrary, he was a strong guy, a year or two older than Brian, with a muscular, hairy chest on display. Looking at that figure, Brian felt a strange sensation wash over him, a kind of bond between him and this stranger; it wasn’t sexual, it was something… brotherly, maybe? He knew he’d felt that before, but couldn’t remember when or with whom. As absurd as it was, it was like this guy in front of him was someone very important.

“Earth to you, bro! Get some clothes on and let’s eat; Dad’s waiting.”

“I… uh… yeah.” Brian replied, hurrying to put on the clothes that were lying next to him.

“You coming?” He asked, wanting to stretch the time spent with the other man, even though he didn’t know why.

“Nah, I already ate; I’m gonna crash here. We’ll talk later and figure out how to fix your car!”

“Car?”

“Dude, you really are in another dimension, eat your food, talk to dad, I’ll be waiting!”

Brian headed downstairs and made his way to the kitchen, not even questioning how he knew which way to go, while trying to pin down that feeling of connection to someone he’d just met. As he reached the kitchen door, he found Roy Abernathy sitting alone at a large dining table piled high with food, looking serious and pensive. Brian instinctively stopped at the door, watching the older man. Strangely, all the animosity he’d felt toward the man had vanished, and revisiting his feelings, even the fear he refused to admit existed was different now; it wasn’t fear of violence, but a hefty dose of respect, with a healthy hint of dread. He didn’t even have time to try to figure out what had changed, as Abernathy spotted him and broke into a smile.

“Come on in and grab a bite, son, don’t just stand there like a deer in headlights!” The man said, and while part of Brian’s mind told him he should be anger by that comment, a now dominant part made him smile shyly and head over to the table.

“Excuse me, sir!” He said politely and respectfully.

“Sure thing, son, make yourself at home; things here are simple but done right.”

“Thanks, sir.” Brian replied, serving himself a bit of everything on the table, ending up with a plate piled high, which seemed to please his host.

“That’s a plate fit for a real man!”

“Sorry, Mr. Abernathy; it all looks so good and…”

“No need to apologize, son; that’s a compliment you’re giving my wife’s cooking. And you can call me Roy. That’s what my friends call me.”

Hearing that sparked something in Brian’s mind, some kind of half-forgotten memory, but no matter how hard he tried, he couldn’t recall it… if he can’t remember it must not be important, right? So, he opted to eat all that delicious food, smiling, again oblivious to the shower of golden sparks surrounding him. But Roy Abernathy couldn’t help but notice, making his smile grow even wider.

Brian devoured the food like he hadn’t eaten in days, time slipping by without him realizing it. He only stopped eating when his belly stretched the elastic of RJ’s shorts, which was no small feat since the man was much stronger than him. Satisfied, he let out a loud burp.

“Burrrpp… sorry, Mr. Abernathy.”

“Once again, that’s a compliment to my wife’s fine cooking, kid; and I already told you, my friends call me Roy.”

“Thanks, Roy… you… you all didn’t have to do this for me, not after… after…”

“After what, son?” Roy asked, with an apparently innocent look.

“After… after…” after what? What did I do to Abernathy? I can’t remember… something about work… my job. “… my job.” Brian mumbled.

“Kid, just ‘cause you’re gonna work for me doesn’t mean I’m gonna stop treating you like a guest.” Roy replied with a smile, sending a shock through Brian’s mind. That information couldn’t be true… or could it? He tried to remember his job, but nothing came to mind; he had gone to college and studied… what? He couldn’t recall. But he knew his job had given him the means to buy the clothes he liked and the car… yeah, his car! There was something about his car.

“And my car…?”

“Oh, right, tomorrow you and RJ can figure out how to fix it. But I gotta tell you, son, there’s only so much an old car can take!”

“Old…? no, no!”

“Oh, I know young folks prefer the term classic, but still… anyway… if I were you, I’d save up for a good reliable pickup, kid! Now head on up; I’m sure you and RJ will want to talk before bed, but tomorrow the day starts bright and early around here.”

“I… I… Roy… there’s something… something…” Brian started as he stood up and headed for the door, unable to finish. He wanted to say there was something weird, something wrong, but he couldn’t.

“Something you wanna tell me, son?”

“Yeah… Mr. Abernathy… Roy…” He struggled to find the right words to express how he felt. “… thanks again!” That was what he finally said, with a fresh wave of golden sparks surrounding him, and any doubt about what he was doing there vanished.

“Thank me with hard work, son; now go to your room.”

Feeling a bit dazed, Brian climbed the stairs and reached the room he shared with RJ. The other man was lying down, apparently asleep, which left Brian feeling a bit down.

He couldn't say why, but he felt the urge to talk to RJ; somehow, he felt like the other man was a special friend he hadn't spoken to in a long time, though that didn't make any sense. He hardly knew the guy; they had barely exchanged words since they met that day... or was it the day his father hired Brian? And when was that? Brian sat on the bed, trying to sort out his thoughts and calm the strange feeling that had taken over him since his car broke down on the road. And why was he on the road if he had gone to the Abernathys to work? He couldn't get very far with those thoughts, as apparently, his movements had woken RJ, who quickly sat up in bed.

“Hey, brother, why didn’t you let me know you were in the room?”

“I didn’t want to wake you; didn’t wanna bother you…”

“Man, it ain’t no bother! We gotta talk about your car, figure out what we’re gonna do!”

“Your dad thinks I should sell it and save up for a pickup!”

“Bro, no way! Dad’s a great guy, but for him, if something ain’t useful for work, it ain’t worth a damn. He’s forgotten what it’s like being a guy our age. And selling a 1969 Ford Mustang? The king of American muscle cars? Only if you’re crazy! I figured with a car like that, you’d know how to appreciate a classic!”

“I… uh… I just didn’t wanna offend your dad, with him being my boss and all…”

“Dude, just be straight with him, and he’ll get it… and forget about the boss stuff… you’re sleeping in his son’s room; you can bet he sees you as more than just an employee.”

“Thanks…” Brian replied awkwardly.

“Come on, enough of that; you’re gonna work with me, hell, you’re sharing a room with me, brother! No need for all that formal junk.” RJ said, grinning before giving Brian a scrutinizing look and asking, “Bro, do you lift?”

“Uh, no… I’ve never been much for working out…”

“So how you ended up working on a farm??”

“Uh… I… went to college… I think, and… I don’t remember…”

“Chill out, brother, I’m just teasing you!But seriously, if you wanna work around here, you gotta pack on some serious muscle.” RJ said, casually scratching his powerful pecs and biceps, making Brian, who had never cared about that kind of thing, feel mesmerized.

“You think… you think I can get as big as you or your dad?” Why was he asking that???

“Ha, dude, nobody’s as big as my dad, and getting to my size is a good journey, but the beauty of the thing is just that, brother; you never settle for the size you are, and I bet with the right training and all the farm work, soon you won’t even recognize yourself.” Hearing that reply filled Brian with a level of contentment he never thought possible.

But before he could try to understand why, RJ went back to talking about cars, and soon the two were discussing their favorite classic models and what they’d do with Brian’s old Mustang. Their conversation flowed like they’d known each other for years and was only interrupted when a very serious Roy Abernathy opened the bedroom door and told the two to hit the hay already, like a couple of mischievous kids being schooled by their dad. Somehow, that thought was comforting to Brian, who quickly fell asleep after Roy turned off the lights and left the room.

He was in a strange place; it looked like a gym. There was a young, skinny but strong guy, as blonde as he was, staring at him. After a few seconds, he realized he was standing in front of a mirror and smiled.

As he dreamed of that, Brian smiled in his sleep on the bed in Roy Junior’s room, his shirt pulled off during the night without him realizing, and golden sparks surrounding him as he moved around happily, unaware that someone was watching him.

“Sleep tight, little brother, ‘cause tomorrow’s when things are really gonna get interesting!”

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[gremlingottoosilly]

Mafia!Konig X Reader who borrowed money and now has no way to give it back (que to porno scene of her paying back with her bod-)

You knew borrowing money from someone like him was a bad idea. Worst idea you had in your life. Usually, when a person is having money troubles, they should come to the bank and ask for a loan nicely. Maybe talk to some friends and relatives. If anything, just come to some predatory cash transfer service. Of course, if you had any of those options available, you wouldn't be sitting on your knees now, sucking the dick of some ex-military asshole who decided that his PTSD and connections give him the right to police normal, law-obeying citizens. Of course, if you had literally any other option, you would have just gone with it. But it's not possible, not for you - and you needed money as fast as possible. Without any way of paying it back, you're surprised they didn't just kill you outright and then harvest your organs.

"Come on, Schatzi. Be nice and I won't sell you, ja?" There is a gun nudging in your forehead as you suck deeper, trying so hard not to choke. The man - Konig, fittingly, although you fucking hated that stupid name - was enjoying the struggle you put on as you tried to deep-throat his beast of a cock. It's too much, he is choking you without even moving - but you want to be good because otherwise, you'd be dead. And this is...well, not an option. Not even in the slightest. He promised that he wouldn't sell you for organ harvest and wouldn't kill you if you were good for him. He said you're cute, cuter than the usual borrowers. He mumbles something about the last girl he had running away after they found out what he did - but you won't be like this, surely, you already know who he is, and you aren't scared. It's weird, to listen to his mumbles like you're already together - and you don't want to be like this, but he almost sounds...hopeful. Happy. He pats your head with his gun and you can hear a smile in his voice. Nice, kind words covering you - something about giving you more time to pay out the debt. Something about leaving you with him, since he does needs an arm candy. You can refuse - if you have money to pay out, of course. You don't. Looks like Vienna's criminal scene will finally open up to you.