CHAPTER ONE

      Present day

      IT WAS REALLY going to happen.

      Standing at the window of the bank, her back to the seats where Liam and Marie were sipping cheap coffee from takeout cups, public lawyer Gabrielle Miller gazed out at the snow-covered Denver sidewalks and focused on breathing. Not too deep. She didn’t want to hyperventilate. But passing out from lack of oxygen wouldn’t serve her well, either.

      You’d think with five years of professional practice under her belt, and having personally vetted the contract they were all about to sign, she would be calm about the day’s events. It wasn’t as if they were buying a home that they were going to be moving into. No, they were simply transferring into their names the ownership of the historic Arapahoe—the old apartment building she and Marie had been living in and that Liam had been visiting as regularly as he’d visited their dorm rooms in college eight years ago. She and Marie were still going to be sharing the roomy three-bedroom unit that comprised part of the second floor of the eight-floor building in historic Denver. Marie’s coffee shop, a thriving business, was still going to encompass the entire bottom floor.

      Liam would now be an official part of them, part of the family, instead of just an honorary member.

      Gabi’s portion of the down payment hadn’t been a problem. She’d worked nearly full-time all four years of college in preparation for the law school loans that would eventually come due in her future. She’d continued to add to that account by working for Marie when she could during three years of law school, and when her loans had been paid off by the state as part of her employment agreement, she’d been able to slowly grow her savings.

      Three-quarters of it was going into this deal.

      But all but two of the thirty-eight apartments were rented on long-term leases that were transferring to them as the new owners, the majority of them held by residents who’d been in the building fifty years or more. They had guaranteed rent money coming. Most of them government checks.

      Until the friends had made an offer on the place, most of the elderly residents had been trying desperately to find new homes. A few already had. The current owner’s rent increase, coming in a matter of weeks, would have put most of the elderly occupants out on the streets or into government-subsidized nursing homes. Fixed incomes could only be stretched so far.

      Those who could afford to move had done so.

      Most of those left had been in tears when Threefold had held a meeting with the residents to officially announce that they would soon be making rent checks out to them instead. In the same amount they’d been paying—not the new increased price.

      Threefold. The name she and Liam and Marie had chosen for the LLC they’d formed to purchase the somewhat decrepit building and manage it, too.

      Marie had come up with the name.

      Neither she nor Liam had argued.

      Gabrielle felt someone come up beside her, but she didn’t turn to look. Marie generally didn’t let anyone sulk for long.

      “You having second thoughts?” Liam’s voice surprised her. He’d been over for dinner the night before—at least a biweekly ritual for the past nine years. When he was in town. And not in a relationship. Not that he didn’t come when he was in one. Just not as frequently.

      The night before, the three of them had gone over all of the paperwork together. One more time.

      “No. You?”

      His tone was too distant. Impersonal. Something was wrong. She’d known the second he’d come toward them in the bank parking lot.

      Maybe that was when she’d started to panic.

      And now he was seeking her out alone. That only happened when he was in need of analytical thinking without the emotional twist.

      Liam might prefer to be a freelance journalist rather than a financier, and he might even be better at it if the current success rate of his stories was anything to go by, but business was in his blood. And first on his college degree, too, with journalism as a minor. Business, working for his father at Connelly Investments, provided his substantial paycheck.

      “No second thoughts at all.” Amazed at the instant calm that came over her at the words, she turned to look at him.

      “You sure? Because I can’t afford to make a mistake here, Liam. If our figures are out of line, if you think there’s real risk here, I just can’t afford to take it. I mean, we’re looking at almost a solid year with no real income from rent. The elevator fix alone is going to eat up the first two months and...”

      His smile made her smile. And she heard what she was doing.

      “We’re going to be fine.” He reminded her of the extra money that was being rolled into their loan to keep in an account for unforeseen maintenance. Of the monies she and Marie would be saving in rent that would offset the building’s common utility costs. Of the down payment monies they’d all three contributed, which were keeping her third of the Arapahoe’s monthly mortgage payments within her means...

      He was right about all of it.

      And... “Something’s bothering you.” Were his suit and tie for the benefit of the real estate closing they were all about to attend? Or had he been at Connelly Investments that day? As his father’s patsy, he had a nice office on the top floor of the corporate office building. And put in a minimum of forty hours a week. But a lot of that time was spent at dinners and functions that bored him. Or at his personal computer on the desk in his home office in the fancy high-rise condominium that was his as part of his employee benefits. He analyzed. He reported. He made innocuous decisions. His father wouldn’t let him make any of the major ones.

      “My father found out about the deal,” he said now.

      “I thought you told him.” They’d specifically discussed the matter—he and she and Marie. They’d stressed to Liam the importance of keeping his father informed. The old man had the power to make Liam’s life miserable if he chose to do so.

      And, in retrospect,