That is a seriously messed-up situation for Poway residents, BG. IMHO, people should investigate how/why the construction costs ran so much higher than anticipated, as there is plenty of reason to believe that some “back door” deals were made there. If not, idiots were managing those projects and should be held to account, as well as creating safeguards that prevent it from happening ever again.
After that, they should look into who, specifically, knew the details of this loan and went ahead with it in the first place. The fact that it cannot be prepaid is one of the most egregious aspects of it.