This is total conjecture, obviously, but knowing how Salray likes to conflate bits of her real life story to conjure bits of her, um, ‘real life story’, I’ve been thinking about “Cooper”, the property “investment” that “failed due to low occupancy”, France, Timoth’s brother, etc.. I wonder whether the brothers both bought the land/adjacent buildings in cahoots with a view to doing them up or even just sitting on them, reckoning that their value would increase due to the vast swathes of Brit incomers wanting holiday homes that were anticipating would be interested (the “investment”). Then the market didn’t play out as they’d hoped in some way (“failed due to low occupancy”, maybe their own, because they were never there?!). Brother branched out & bought the chateau to do up & live in with his family & gave up on the original idea. Settles down to working on the chateau (and writing his own novel, and his blog - anyone seen that? Short-lived but clearly writerly ambitions). Timoth needs the cash he invested back to pay off the embezzlement owings, ask his brother to buy him out, brother not interested, so seeks out the high-interest loan elsewhere.
To reiterate, this is totally made up on my part. Just in case anyone should mistake any of it for fact.