I was wondering about this before, but then somebody on her mentioned that Conrad was married before and has a good few kids, so who knows how terms are with his ex and if she took him to the cleaners? Divorce doesn't absolve responsibility for his first family and he may well have alimony payments that are based on income levels, if he purchases a house with his new wife, his ex wife may ask for a review of payments so it's possible that it's a deliberate move that he isn't listed on deeds etc, maybe until all his older kids are adults or finished education?
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The loan part is true, but they did own the big 2 story apartment in the docklands? I don't ever remember it being sold.