§ 190.65 Scheme to defraud in the first degree.
1. A person is guilty of a scheme to defraud in the first degree when
he or she:

(b) engages in a scheme constituting a
systematic ongoing course of conduct with intent to defraud more than
one person or to obtain property from more than one person by false or
fraudulent pretenses, representations or promises, and so obtains

property with a value in excess of one thousand dollars from one or more such persons;

So let’s consider…Keith

1. Wrote the Promissory Note …did he intend to repay?
2. May have made  false representation by saying he was fixing up a property in order to flip it which I come to find  he doesn’t own and in fact has been owned by another party for years .  A “fixer-upper” is not something you want to hold onto for years unless you are living there or own and rent it out for income.
3. Value is definitely in excess of $1,000.
4. I am not the only such victim and so it is a ongoing course of conduct

If the shoe fits……