John, I would say you are fortunate to have gotten that loaned money back. Many people in your situation (the lender) don't get their money back. A listen to Dave Ramsey's radio show would show that to be true.
Several years ago, a close relative had loaned a cousin a lot of money to buy a lot and build a house to sell. Promised a 12% return. He built the house and he ended up stalling for months saying it wouldn't sell. This close relative finally hired a lawyer since it was out of town. Turned out the cousin moved into the new house and was renting the old one and collecting the money for himself. He even took out a large loan on the new house! They forced him to sell the rented house and make only min payments (less than 1/2 of what he should have been paying) since the cousin said he could not afford the payments and would file for bankruptcy and this close relative would get nothing. They put a lien on the house since they could not force him to sell and move out of his now primary residence (law in that state).
Just a couple of years ago, the cousin asked this close relative for more money! He said he could not make the mortgage payments! What nerve! He ended up losing the house. The secondary lien was worthless since he owned more on the house than it was worth. I later found out that he was able to buy another smaller house in just a year or so!
After my close relative recently passed away he stopped making the min payments. The lawyer said it would be like getting blood from a stone and not worth the $$ to go after him. We found other creditors already garnishing his wages.
Another relative has a similar story (2 times!), luckily less money involved. It was an emergency, and needed the $$ fast. Probably never see a penny back.
Another family member wanted to borrow over $140k from us to build a house and sell...makes lots of $$ he said. This was in 2009 when everything had crashed! He had taken $130k from another relative a couple of years before this doing the same thing, buy a lot, build a house, make lots of $$. All was lost. I could not even find a record of him buying land to build this house, might have been a scam. Well, he ended up losing his house about a year after that. I found that had pulled out over $550k from a house that just sold at auction for $300k. I think he wanted the $$ to fend off creditors a little longer until the economy picked up. Luckily I said no. He tended to live above his means which was a red flag too.
I think it's best to tell people your not a bank...especially if your are ER.