Kate is blindsided when her husband cleans out their house and bank account before skipping town with another woman. Desperate to get out of her sister's apartment, Kate jumps at the chance to help Rick and Wes, DEA agents whose latest case finds them in urgent need of a house-sitter.

Taking care of the old farmhouse is just what she needed. As the months pass, a stronger Kate emerges. She's also developed an email friendship with Rick, and it isn't long before they secretly begin starring in each other's lust-filled fantasies. Problem is, after her failed marriage, Kate wants only a physical relationship. She's terrified of losing her heart—which is exactly what Rick intends to capture upon his return.

They reach a compromise. One that involves explosive no-strings sex—for now. Rick patiently deflects her fears and willingly slakes her passion while keeping his darker fantasies in check, afraid of scaring his shy, innocent lover. But unbeknownst to Rick, Kate has a few untapped fantasies of her own.