Let's take a look at the cockpit of this Boeing 707 for a moment...
Good lord! Now, I'm assuming that our readers are a reasonably intelligent bunch, if you've had the patience to follow this story this long, I'm going to guess that you're a little smarter than the average guy. Imagine now that you are of a somewhat diminished mental capacity and you're thrust into the cockpit of this plane, you're given a couple of days worth of training on how to operate the plane and then your thrown out on the tarmac and expected to fly! Look at all those levers and buttons! What about all those gauges?! It takes years of schooling, training and flying with a competent pilot before you're able to fly something this complicated. Also take into account that there are some out there that just don't have the mental capacity to handle something this complicated.
Now you're asking yourself, WTF does this have to do with Jorge Baluja and Mortgage Fraud investigations? My theory is that the investigation of Mortgage and Real Estate fraud is nearly as complicated as flying that 707, whether you're flying that plane or conducting a complicated investigation, if you don't have the smarts, the know how and the training (let alone the common sense) the results are going to be disasterous.
Alright then, we know how Detective Baluja with his vast knowledge of Mortgage and Real Estate fraud did when he put together the Bernardo Barerra Mortgage fraud case, let's see if he fares any better flying this Boeing 707. Buckle up!