Look, you obviously haven’t even briefly looked into the case if you’re saying “it’s just someones opinion”, or that might be what fox news is saying.
I buy a Ferrari that can go 400mph and is worth 10 million because of it. But then I have a limiter installed that caps it speed at 90mph. Then I go to an accountant and say “hey, could you value the Ferrari I bought?”, and they say “based on the info you gave us, we say it’s worth 10,120,000”.
Then I go to the bank and say “hey bank, could you loan me a million bucks, and if I don’t pay you back, you can have this car that independent accounts say is worth 10,120,00”. The bank agree, charging you all of 0.5% interest, because you agreed to give them a car worth 10 times the loan.
But because of the limiter you had installed, the actual value is more like 430,000, because it can’t do what you claimed. So you intentionally lied to the accountant, and took that false info to a bank with the express purpose of benefiting financially of off those lies.
And you then repeat this by asking for a valuation of a 30,000 square foot apartment, which is actually only 11,000 square foot, and going to a different bank with another fake valuation.