Sigh. Sure. There’s 7 banks or so in the lending group, each with 5 to 12 FTEs touching or reviewing this deal before funding.

But sure, you’re smarter than them all combined, they’re wrong and underwrote a faulty deal and you’re right, particularly when having no info on the post transaction capital structure.

Thanks! I know a lot about a lot of things.

Humbleness foremost. You know you can short or buy a cds on the debt? Might be a nice thing to invest in at such a high level of confidence.

That's exactly how I made my first million dollars in the early 1990's!

Do you try to save tax every year by “maximising your losses”? Or aka claiming as many expenses ad possible. This reduces your income! But even if you took 100k off your income aka “profit” this way you could still afford your mortgage, right… infact it makes it more affordable as you paid less tax!