@cchidex
🌱 STORY: “The Small Crack in a Perfect Wall”
In a booming city caught up in a housing fever, everyone believed one thing:
“Real estate is the safest asset. It only goes up, never down.”
Banks were lending more easily than ever.
Brokers sounded like they were reading from a script:
“Just take the loan. Prices will rise, you sell, you profit. You can’t lose.”
In the middle of all that noise, David, a risk analyst at a small investment firm, wasn’t very impressed by the promises of “easy profit.”
He liked numbers, spreadsheets, and the boring details no one else wanted to read.
One night, David stayed late at the office, alone with his screen.
He was reviewing a list of mortgage loans that his firm planned to buy.
At first glance, everything looked “perfect”:
– Credit scores were marked as solid
– Income looked stable
– Debt ratios seemed reasonable
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