Does this sound right?
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[{"id": "ft0fqan", "text": "Uh no, why are you making 4320 payments?", "replies": [{"id": "ft0gcmu", "text": "I think I put 360 months for amortization on accident", "replies": [], "depth": 2}], "depth": 1}, {"id": "ft0gb90", "text": "It\u2019s okay to be new to the space, but I\u2019d recommend checking and understanding the numbers before taking out an $8mm loan.\n\nAlso CRE doesn\u2019t work like a house mortgage. Different set of calculations which can\u2019t be provided because we don\u2019t know anything about the loan or property.", "replies": [], "depth": 1}]