This sounds fishy to me....I think the Mortgage and Insurance documents got too close together and had a friction fire......
http://www.tulsaworld.com/news/article.aspx?subjectid=12&articleid=20100921_12_0_tablet176077
Why were they wearing masks if no one was home? And if they intended to murder them, why put the masks back on?
Handcuffed to chairs? Seriously?
Dude works for the Transportation department no idea what his salary would be but his Challenger is toast, house is toast, I'm guessing debt out the ying yang, not enough income to sustain it.