If Rice's risk/reward assessment is correct, it seems strange to not have even one lender offer a loan that aligns with his analysis. I have no clue about how

If Rice's risk/reward assessment is correct, it seems strange to not have even one lender offer a loan that aligns with his analysis. I have no clue about how prevalent racism is in the lending institutions that serve that geography. But I'd expect at least one of them to have looked at this carefully, in order to maximize the value of their portfolios.