I checked this guy out and he is legit and very real.
Dave Musk owns a commercial company Pavilion Commercial Group, LLC and Ron Penzkowski owns a residential company called Pavilion Capital Group, LLC. They are two separate Limited Liability Corporations. Dave does mainly commercial lending projects over $10 Million and Ron does residential.

You can easily check at the State Capital and see each separate company or contact either company direct for a copy of their stamped articles of incorporation. Each corporation is licensed at a separate address. Pavilion always worked in all 50 states with federally chartered banking relationship, so do not require individual licenses since the bank does their own due diligence each year per law.

Dave Musk of Pavilion Commercial Group, LLC was the victim of identity theft by another person who had his same exact name. The lender Dave Musk has never had a criminal record and that is how he is still in business since this happened in 2002. Only confused or maybe jealous people or people who Dave did not please for whatever reason, his or theirs, who want to cause trouble are spreading incorrect information on the net. I checked this guy out and he is legit and very real. You can do the same yourself. I have closed some big commercial transactions with Dave and have more in process. Ted