[HN Gopher] Repairs of leaning San Francisco skyscraper on hold
       ___________________________________________________________________
        
       Repairs of leaning San Francisco skyscraper on hold
        
       Author : woofyman
       Score  : 110 points
       Date   : 2021-08-28 13:33 UTC (9 hours ago)
        
 (HTM) web link (sanfrancisco.cbslocal.com)
 (TXT) w3m dump (sanfrancisco.cbslocal.com)
        
       | redis_mlc wrote:
       | Sounds like band-aids don't work on skyscrapers? lol.
        
       | HenryKissinger wrote:
       | The Millenium Tower needs to be scrapped. It's a failed project.
       | It will cost hundreds of millions of dollars to "fix", and no fix
       | will work in the long term, because the problems are structural.
       | 
       | Cut yout losses. Demolish the whole thing.
        
         | mslate wrote:
         | What's your expertise on this subject beyond armchair
         | quarterbacking?
        
           | coding123 wrote:
           | I'm guessing the Miami building as a lesson.
        
             | mslate wrote:
             | I personally wouldn't consider someone's awareness of
             | another building's collapse to be expertise, but hey it's
             | the internet
        
           | kmbfjr wrote:
           | Your qualifications first.
        
           | throwawayboise wrote:
           | What is anyone's expertise on a web forum? If he claimed any,
           | what weight would that add when almost everyone here is
           | anonymous?
        
             | john_yaya wrote:
             | I can assure you, as the world's leading behavioral
             | psychologist, a former Miss Universe, and the winner of
             | last year's Eurovision contest, that the poster is totally
             | qualified to speak on the topic.
        
         | imtringued wrote:
         | I think you are right. It was built to fail after all.
        
       | xenadu02 wrote:
       | The building was leaning 17" at the top when this work started.
       | Within a year it is now leaning 22". That is a dramatic increase
       | in such a short time.
       | 
       | It would appear the objections to the original plan were sound.
       | The alternative proposal is to drill through the original
       | foundation to set the piers from inside the building. My
       | understanding is this would be more evenly distributed and
       | attached to the original foundation evenly. Then jacks would be
       | used to "climb" the piers to level the building - very slowly
       | over time.
       | 
       | The original fix is cheaper because it relies on gravity to
       | further sink the high corner of the building once the lower side
       | is fixed in place by the piers, then once that has happened piers
       | can be sunk on that side. It also spreads the cost out over a
       | longer period of time.
       | 
       | The other objection to the original fix is seismic: if only one
       | corner is resting on bedrock during an earthquake the building
       | could be severely damaged.
        
         | dehrmann wrote:
         | How do you drive piles once the building is completed? Do you
         | go to the basement (probably a parking garage), open up space
         | with the floor above it, and drive short segments that are
         | welded together? I thing one of the earlier plans was to do
         | this all outside the building on the perimeter, but if that's
         | not enough, it sounds really complicated.
        
           | jeffbee wrote:
           | They should put a big hydraulic shaker in the bottom of the
           | garage and just shake it until it hits solid ground. Then
           | punch a new door in on whatever floor happens to be at grade.
        
             | wizzwizz4 wrote:
             | They'd have to reinforce all the walls first.
        
             | kaikai wrote:
             | The bedrock is over 100ft down, so that would be fun
        
       | pm90 wrote:
       | I hope this doesn't chill demand for residential skyscrapers in
       | SF. It seems like this building is (arguably justifiably) getting
       | a lot of attention but there are multiple ongoing and completed
       | projects that are a good solution to alleviate the housing
       | crisis. Yes they're all "luxury" condos but they're satisfying
       | some demand at least.
        
         | jeffbee wrote:
         | Towers are I guess the worst and least convenient way to
         | alleviate housing crisis. Raising a few of the city's hundreds
         | of thousands of detached single-family houses to 2-to-7-story
         | apartment houses would be a lot better, cheaper, faster, and
         | easier.
        
       | chrisseaton wrote:
       | > "You never place piles or piers closer than three pier
       | diameters apart. These are 36 feet so they should be nine feet
       | apart and they're, what? -- five feet or something.
       | 
       | I don't get this - the piers are 36 feet (engineers using feet?!)
       | in diameter so should be 9 feet apart, but that's not 3x 36.
       | 
       | What do they mean?
        
         | irrational wrote:
         | In the USA the construction trade is all done using imperial
         | measurements. If you go into any big box hardware store, the
         | only thing you can find in metric is a few specialty bolts.
        
         | adventured wrote:
         | > engineers using feet?!
         | 
         | Architects for example almost exclusively work in feet in the
         | US. The US construction field is almost entirely imperial.
         | 
         | The highest rates of metric use in the US are in cases where
         | there is a possibility of international crossing/exchange, or
         | if the field is distinctly metric-based. If you work for NASA,
         | it makes sense to use global measurement standards. If you're
         | building a house in Cincinnati, it largely does not matter.
         | 
         | If you're a German working in a store in Wurzburg, you're far
         | more likely to speak in German throughout your day. If you're a
         | German working in programming with a bunch of US programmers,
         | you're more likely to be using English when communicating with
         | them. Why don't Germans speak English all the time? Because
         | they don't want to and don't need to.
        
         | Ozzie_osman wrote:
         | No way the piles are 36 feet in diameter. I don't think piles
         | that big exist or are feasible, you're usually looking at a
         | couple meters max.
        
         | woofyman wrote:
         | It's a typo. They're 3 feet in diameter.
        
         | chiragmed wrote:
         | They meant 36 inches.
        
           | chrisseaton wrote:
           | Wow. Maybe that's why it's falling down. Why aren't engineers
           | using metric?
        
             | Johnny555 wrote:
             | If the piers are sold in inches, then using metric to
             | describe them is another level of indirection, so might
             | make the chance of error worse. Would you feel safer if he
             | said "The piers are 91.4cm"?
             | 
             | It's amusing to see newspaper stories where they report
             | high precision numbers that are obviously metric
             | conversions like "He drove 62.14 miles to work every day"
             | when the original source said "100km".
        
             | titzer wrote:
             | America. I had to mentally switch to metric when I moved to
             | Europe and now I have to switch back. Ugh.
        
             | irrational wrote:
             | The construction tradespeople only use imperial. The
             | engineers could use metric, but then they would have to
             | convert everything. It's easier to just use imperial from
             | beginning to end. Besides, all construction materials are
             | in imperial. It is so much simpler for the engineers to use
             | imperial. Plus, if they grew up in the USA, the engineers
             | are as comfortable using imperial as you are using Metric.
        
             | hollerith wrote:
             | Arithmetic continues to work even if you don't use metric
             | units.
        
               | chrisseaton wrote:
               | The arithmetic doesn't work though - that was my point.
        
               | Johnny555 wrote:
               | The arithmetic works, but the units were wrong, that can
               | happen in the metric system too.
        
               | chrisseaton wrote:
               | Almost impossible I'd say to confuse 1 m with 1 km or 1
               | mm, but easy to confuse feet with inches as they're much
               | closer in value - the same order of magnitude even. As
               | you can see - since it happened in this article.
        
               | krsdcbl wrote:
               | Simply put: i doubt the linked article was written by the
               | engineers responsible.
        
               | Johnny555 wrote:
               | I don't think an engineer would confuse inches with feet,
               | and it's a stretch to assume that a newspaper reporter
               | wouldn't confuse m with km.
               | 
               | And what about mm and cm? They are only a factor of 10
               | apart while inches and feet are 12X apart.
        
             | dang wrote:
             | " _Eschew flamebait. Avoid unrelated controversies and
             | generic tangents._ "
             | 
             | https://news.ycombinator.com/newsguidelines.html
        
             | throwawayboise wrote:
             | Construction and civil engineering (in the USA) is still
             | done in feet and inches. All construction materials are
             | sold this way. It would just introduce error to try to plan
             | a building in metric dimensions.
        
               | coding123 wrote:
               | Even in the UK you end up with construction materials at
               | those same sizes. Click the link and tell me how large
               | the following sheet size in feet?
               | 
               | https://www.forestrallshop.co.uk/plywood-london/birch-
               | plywoo...
               | 
               | Comically they apparently also imported our lumber price
               | fiasco.
        
         | [deleted]
        
       | jbaudanza wrote:
       | So, is this thing going to fall over and kill everyone or what?
       | Someone with engineering experience, please explain why this is
       | hyperbolic and downvote me away.
       | 
       | I don't know anything about construction. But I do know that
       | bureaucrats love to kick the can down the road, rather than deal
       | with things directly. In this case, that would mean forcing some
       | of San Francisco's wealthiest, and most-influential to demolish
       | their luxury homes.
        
       | rsync wrote:
       | Building (and seismic) codes in California are stringent, but not
       | in the way many people think.
       | 
       | I was surprised to learn that the codes and engineering
       | requirements are specified strictly to avoid loss of life.
       | 
       | The buildings themselves are not required to survive in habitable
       | fashion.
       | 
       | I was surprised to learn this and it disturbs me to consider that
       | while a major earthquake in the SFBA might be (relatively) free
       | of fatalities, an enormous portion of the built infrastructure
       | would need to be demolished and rebuilt:
       | 
       | "The code also does not specify that a building be fit for
       | occupancy after an earthquake. Many buildings might not collapse
       | completely, but they could be damaged beyond repair. The interior
       | walls, the plumbing, elevators -- all could be wrecked or
       | damaged."[1]
       | 
       | [1] https://www.nytimes.com/interactive/2018/04/17/us/san-
       | franci...
        
         | telesilla wrote:
         | >The buildings themselves are not required to survive in
         | habitable fashion
         | 
         | This is the norm for the pacific rim. It's just not
         | economically viable to build for longevity in the face of
         | tectonic movement. Saving lives however? We know how and those
         | cities and citizens at risk that don't invest pay terribly for
         | it. Given what we know about quakes these days, it's
         | inexcusable any civil infrastructure or building should lead to
         | loss of life.
        
           | titzer wrote:
           | > It's just not economically viable
           | 
           | Is that code for "it costs too much"?
        
             | CryptoBanker wrote:
             | That's literally what it says. It's not code for anything
        
               | irrational wrote:
               | It's interesting to see what some people consider to be
               | big complicated words.
        
             | imtringued wrote:
             | Yes, it costs too much to build it to last, it costs very
             | little to rebuild it...
        
           | Apes wrote:
           | I may be mistaken, but I believe in Japan the standard is
           | "build to remain habitable." as a result, skyscraper building
           | techniques there are very different to the US.
        
             | ddkto wrote:
             | "The Japanese Building Code (BSLJ) explicitly requires that
             | buildings withstand moderate earthquakes with almost no
             | damage, while collapse prevention and life-safety is
             | required for severe earthquakes. It is expected that a
             | typical building will be subjected to several moderate
             | earthquakes during their service life, while the likelihood
             | of occurrence of a severe earthquake during the same period
             | is rare."
             | 
             | (Comparison of the Seismic Code Provisions of the National
             | Building Code of Canada and the Building Standard Law of
             | Japan, https://www.caee.ca/12CCEEpdf/192-oZfU-119.pdf)
             | 
             | A similar approach is used in California and other places
             | under the name Performance-Based Design.
        
         | coding123 wrote:
         | If that is what it was optimized for, then building anything
         | above 3 maybe 4 stories would be stopped. I disagree.
        
         | beerandt wrote:
         | Engineering is about economically designing things that fail in
         | a predictable manor.
         | 
         | Too many people think it's about "strongest" or "best" or
         | "creative" or "durable" designs. Nope. Sometimes that's true,
         | but it's always about controlling your failure modes.
        
           | mcguire wrote:
           | Modern car design.
           | 
           | Cars are designed to absorb energy during a major impact.
           | They do this by folding in places that preserve the integrity
           | of the passenger compartment. As a result, minor impacts
           | result in the total loss of the vehicle.
        
             | Someone wrote:
             | ...while before, minor impacts often killed the occupants.
        
         | [deleted]
        
         | pm90 wrote:
         | I don't see a problem with that. We just need to factor in the
         | costs appropriately eg via insurance premiums. Save lives and
         | create the infrastructure for building back (eg via a quake
         | recovery fund, contingency plans for rebuilding if a quake does
         | wreck a building etc).
         | 
         | Construction is one of the last remaining sectors that is still
         | able to employ low skilled workers and pay them good wages.
        
         | ramshanker wrote:
         | This is a necessary trade off between the probability of
         | extreme high intensity earthquake and economy of structural
         | design. That is why we civil engineers call buildings
         | "earthquake resistant" instead of "earthquake proof".
        
           | HPsquared wrote:
           | It's also not possible to "proof test" a building against
           | earthquakes.
        
             | redis_mlc wrote:
             | Well, there are building-sized shake tables:
             | 
             | https://www.youtube.com/watch?v=Y7kKcIsBKDo
        
         | ggcdn wrote:
         | This is something that the profession has done a terrible job
         | in communicating with the public.
         | 
         | But if you think about the nature of earthquakes, it starts to
         | make a little more sense. There is basically a probabilistic
         | distribution of earthquake frequency and energy. The more
         | powerful the quake, the less frequently it occurs, and there is
         | a long tail to this distribution. So we need to draw a line in
         | the sand somewhere and say "we will design for X, and detail
         | the structure to avoid collapse if X is exceeded." There is no
         | such thing as an earthquake proof building, because there is
         | always a bigger earthquake than the one considered for design.
         | All we can do is play with probabilities.
         | 
         | In the US the life safety objective corresponds to earthquake
         | hazard of 10% probability of exceedance in 50yrs. The industry
         | has long accepted this as a good X point that balances
         | construction cost and longevity. But more recently, with
         | ballooning recovery costs in recent earthquakes, some are
         | starting to see its not enough. For instance, in the Canterbury
         | NZ earthquake many structures performed "well" and met their
         | design intents, but around 70% of the downtown ended up being
         | demolished. Insurance deemed them too costly and risky to
         | repair.
         | 
         | Now industry is starting to use "performance based design" more
         | often for seismic design of tall buildings (including the
         | Millennium tower). It allows you to pick multiple hazards and
         | set different objectives for them. For instance, we might say
         | no damage allowed at 30% in 50yr hazard, cracking and light
         | damage at 10%/50yr, and no collapse at 2%/50yr hazards. Then we
         | do a bunch more sophisticated modelling to demonstrate the
         | design meets the objectives. I wrote a little bit more about
         | performance based design here :
         | 
         | https://kinson.io/post/what-is-performance-based-design/
         | 
         | Unfortunately it didn't help the millennium tower with this
         | geotechnical issue. Which I suppose says something about design
         | being only as good as the input assumptions.
        
           | ggcdn wrote:
           | It's also worth noting that geotechnical engineering is a
           | high risk and low tech field. Most of their design relations
           | involve pounding a stick into the ground and counting how
           | many hits it took to sink a unit depth (that's a little bit
           | jest, but also not far from the truth)
           | 
           | Imagine being tasked with identifying a famous painting, But
           | you aren't allowed to see the painting. You are provided with
           | the five predominant colours in the painting, the type of
           | paint used, and a 10mm x 10mm sample of the painting.
           | 
           | Now, please tell me the name of that painting?
        
         | iscrewyou wrote:
         | This is how some other professions operate. In a strict sense
         | of what a profession is supposed to be and not counting the
         | economic factor, doctors care more about loss of life than loss
         | of a limb. If they have to save your life by cutting off your
         | limb, they will.
         | 
         | If you read the building code (I have), sudden collapses are
         | something that need to be avoided at all cost, think the recent
         | sky scraper in Florida.
         | 
         | Restoring a structure instead of rebuilding after damage puts a
         | lot of responsibility on the Civil Engineers because ultimately
         | they are the ones who sign off on the plans that basically say
         | this structure will not collapse at the blink of an eye. Older
         | buildings get retrofitted all the time but those are also very
         | expensive. Retrofitting is done to bring the building up to
         | code and not fix a damaged building.
        
         | unearth3d wrote:
         | It's the same in NZ, without fundamental changes to engineering
         | science it will continue, remember that a quake will stress a
         | building's reinforcing / all materials beyond the elastic
         | limit.
        
         | klyrs wrote:
         | After watching the political quagmire of the housing crisis in
         | California, this gives me some hope that The Big One might
         | create a situation where it would be possible to reboot the
         | architecture of major cities to prioritize humans over cars
         | without significant loss of life.
         | 
         | And yeah, it would really suck in the very short term. In the
         | years following the quake, there would be a boom of work
         | opportunities. Contrast to a situation where the buildings are
         | spared at the cost of human life, you'd have ghost towns that
         | would rapidly deteriorate to the point that the buildings would
         | also fall to ruin
        
       | xyzzy21 wrote:
       | I find everything about this building hilarious in a dark,
       | horrifying engineering and bureaucratic sense.
       | 
       | Part of what started this: a NYC architect and NYC construction
       | contractor came to SF for the first time in their corporate and
       | professional experiences and decided to build a building, cutting
       | corners on standard local construction standards, regulations and
       | laws because they found loopholes in all three and they thought
       | it would save a lot of money.
       | 
       | So they did NOT do any of the standard "ground work" (sic) to
       | prepare the foundation as every other skyscraper in SF and
       | California normally does.
       | 
       | The normal process is to drive piles down to bedrock. They didn't
       | do this. They put piles into sand. SF is primarily all sand
       | sitting atop of deeper rocks but some of that rock is very deep
       | below the surface. In that particular area, the rock is quite
       | deep (all the hills you see like Nob Hill, Coit Tower, etc. are
       | the rocky high spots surrounded by deep valleys covered with sand
       | from ancient water inlets).
       | 
       | Local construction companies know all about this geophysical
       | reality. Apparently these NYC companies did not and had zero
       | engineering/professional intuition about the nature of
       | earthquakes and construction in California.
       | 
       | Because of this the building started to both sink and tilt. And
       | honestly, ANYTHING short of tearing the building down and
       | starting again is at best a bandaid fix that may or may not work
       | for long. This is a legendary FU.
       | 
       | And you are seeing these New Yorkers trying to lawyer their way
       | out of the liability they will inevitably face by doing things
       | on-the-cheap and half-assed. Here they got caught doing just
       | that!
       | 
       | My late father was a big name in construction in the SF Bay Area.
       | He was involved with most skyscrapers built in SF from 1970-1985
       | which includes the WF tower, Hyatt-Regency, Embarcadero Center
       | building complex, etc. At that time I was a kid and he'd "take me
       | to work" at these sites while under construction and I got to
       | talk to construction workers, structural engineers, etc. about
       | how it was done. It fascinated me enough to go into engineering
       | professionally though the later PC and semiconductor revolution
       | of the 1970s drove me to an EE degree instead of ME/CivE.
        
         | x3n0ph3n3 wrote:
         | It's unlikely to come out in court, but my father worked on the
         | investigation and it became clear both the engineer and
         | architect had e-mail corresponding showing they _planned_ to
         | blame various 3rd parties for several secondary effects of the
         | tower 's sinking, including cracking caused by the tower
         | pushing on the exterior wall of the underground garage causing
         | water intrusion.
         | 
         | There was so much corruption here, and my personal belief is
         | the city was paid off to facilitate the settlement.
        
         | xhkkffbf wrote:
         | From 1970 to 1985? That means he was part of the "Towering
         | Inferno" debacle. Not pretty.
        
         | diebeforei485 wrote:
         | > The normal process is to drive piles down to bedrock.
         | 
         | Citation needed. Friction piles are quite normal too. I've
         | lived in buildings in SoMa that used friction piles and none of
         | them were tilting as much as this building. There's something
         | more going on here (design or construction flaws), but it isn't
         | as simple as "friction piles bad".
         | 
         | https://sf.curbed.com/2016/9/15/12930402/millennium-towner-s...
        
           | ylee wrote:
           | >Friction piles are quite normal too. I've lived in buildings
           | in SoMa that used friction piles and none of them were
           | tilting as much as this building.
           | 
           | A selling point for my old condo building in SoMa is that
           | it's one of the few buildings there that is built on bedrock.
        
           | throw03172019 wrote:
           | Is it normal for the size of the building + use of concrete
           | over steel (increased load)?
        
           | dehrmann wrote:
           | A few years ago, one of the theories was construction of the
           | transbay terminal caused this, but I have no idea if that was
           | actually the case.
        
             | jeffbee wrote:
             | You can imagine why they floated that idea but the site is
             | surrounded by other buildings which survived intact,
             | including a 100-year-old unreinforced brick building.
        
         | dehrmann wrote:
         | Small nit on the location: I think it's landfill that was
         | originally part of the bay...which is even worse for stability.
        
           | hammock wrote:
           | Below that is sand over bedrock
        
             | dehrmann wrote:
             | I'm honestly not sure. I assumed being marshland for
             | millennia gave it significantly different soil than valleys
             | in the area.
        
         | axguscbklp wrote:
         | I am just a layman when it comes to this kind of thing, but I
         | notice that many articles online claim that variable bedrock
         | depth explains why Manhattan's skyscrapers come in two distinct
         | clumps. If this is true, then it seems strange to me that NYC
         | professionals would ignore bedrock depth in SF out of pure
         | ignorance.
        
         | [deleted]
        
       | WYepQ4dNnG wrote:
       | On paper, people who bought those units, own multi million $$$
       | apartments, but what's their market value, zero? Who would ever
       | buy an apartment in that building? Wouldn't be better to tear it
       | down?
        
         | milesdyson_phd wrote:
         | For the right price I am sure they would be bought, especially
         | if someone (probably an investment group) is trying to profit
         | long term assuming the building is "fixable" whatever that may
         | mean.
        
         | daniel-thompson wrote:
         | You couldn't pay me to live in, visit, or even walk by that
         | building, but apparently there is a market for the units:
         | 
         | - at least 6 units have sold within the past 6 months:
         | https://www.sanfranciscocondomania.com/soldCondos/MILLENNIUM...
         | 
         | - at least 8 units are currently on the market:
         | https://www.zillow.com/san-francisco-ca/millennium-tower_att...
        
           | irrational wrote:
           | Maybe they are opportunists hoping to collect insurance
           | and/or lawsuit money.
        
           | winternett wrote:
           | Hah, I'd buy one at a bargain basement price then insure it
           | heavily if it wouldn't trigger a fraud alert...
           | 
           | I think at this point the building is way too heavy to ever
           | fix and they should demolish it and cut the losses.
           | 
           | It happens all the time in China because of weak building
           | codes.
           | 
           | Once a structure is compromised like this, there really is no
           | sound way to salvage it in my experience, and it's a danger
           | to the entire neighborhood, not only the occupants.
           | 
           | The bad part is that many of the occupants will suffer either
           | way this goes... All insurance payouts should go to the unit
           | buyers before any of the people involved in profiting get
           | anything, but things never work that way. Attorneys will
           | likely profit the most. The people responsible for the failed
           | design and build should be blacklisted from future projects
           | of this kind, that is where most injustice usually manifests
           | in failures like this.
        
             | ghaff wrote:
             | I'm guessing insurance payouts would involve lots of
             | lawyers and lots of time.
             | 
             | Those sales don't strike me as especially bargain basement
             | either. 2BR, 1500 sq ft for about $1.5m. Maybe without the
             | issues, as a premium property, it would be higher but those
             | prices don't seem out of line with condos on the market.
        
             | s5300 wrote:
             | > The people responsible for the failed design and build
             | should be blacklisted from future projects of this kind,
             | that is where most injustice usually manifests in failures
             | like this.
             | 
             | ...no, they should be jailed, likely for life, because they
             | knew exactly what they were doing.
             | 
             | Capitalism apologists prove they know no bounds, time and
             | time again. Really exited to get to watch the incoming
             | century of collapsing skyscrapers because of skirted
             | regulations. Deaths will pile high and no consequences will
             | be had.
        
           | throwthere wrote:
           | I wonder how the $/sq ft compares to similar but structurally
           | sound condo buildings in the area.
        
             | dehrmann wrote:
             | I assume 1 Rincon Hill is very sound.
        
           | coding123 wrote:
           | One of them actually sold AFTER the Miami collapse. I would
           | think that after seeing the hubris fail elsewhere it would
           | make people second guess a huge purchase like that. It was
           | probably a long escrow and figured they should just close
           | anyway - it won't happen to me, not in this leaning tower in
           | a quake prone area.
        
             | Dylan16807 wrote:
             | > One of them actually sold AFTER the Miami collapse.
             | 
             | Why would the collapse of a different building, across the
             | country, for unrelated reasons, affect their decision?
        
           | mikeyouse wrote:
           | I had two friends who were both skyscraper architects who
           | rented there for several years. The average person just
           | doesn't have a good grasp on the actual risks, but they
           | certainly did. They wouldn't buy a unit there due to the
           | uncertainty in cost for the repairs but it's plenty safe.
        
         | czep wrote:
         | It's actually a very low risk investment. The HOA is suing the
         | city, blaming the construction of the Transbay terminal next
         | door. They have access to some serious attorneys, so if the
         | building falls down they'll still profit.
        
           | coding123 wrote:
           | It's super high risk when there is any litigation. Most banks
           | will stop mortgage loans when that's discovered.
        
             | toomuchtodo wrote:
             | Could be a fun exercise to look at the property records
             | over time to see which financial institutions are publicly
             | recording mortgages on these units to understand their risk
             | tolerance.
        
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