“He ran the independent parcel appraisal on Brandon’s twelve condo lots,” I said, pointing to the blue shaded area on the map.

“The whole twelve-lot development sits inside a designated federal flood plain.”

Frank leaned over the desk, squinting at the elevation codes.

“The bank gave him four million dollars on land that can’t legally hold a foundation?”

“He altered the elevation certificates on the loan application,” I said.

“The development project is worthless land.”

I pointed to the elevation numbers listed under parcel four hundred two.

“The federal benchmark is two hundred and forty feet above sea level.