Neighbor. Friend. Lover. At least that’s what Carly Wagner wanted Rio Reyes to be. She’d settled for two out of three for almost a year and it just wasn’t enough. Not anymore. When Rio proposes a bet—of the sexual variety—she knows it’s out of character and he’s not really serious, yet she can’t resist. The payoff could mean finally getting her hands on the gorgeous firefighter she’s drooled over since she moved in next door. The timing had never seemed right for him and Carly, but that hadn’t stopped Rio from imagining wild and wicked things about her. It had been a joke—sort of—but Rio’s shocked when she takes him up on the dumbass bet. Now he’s in a world of hurt, because regardless of who wins, he might be crossing a line he never thought he would, and jeopardizing a friendship that means more to him than anything.