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They’re not all fat cats.

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Complaints about “greedy developers” trace aback to age-old times, but the city’s absolute acreage business is blowzy with builders agitated by recessions, amount overruns and disputes with lenders and partners.

Ruddy Thompson’s atrophy can be traced not to aloof one such accident but a aggregate of them.

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Beyond causing the apparent annihilation of the Upper Manhattan abode activity into which he has sunk added than a decade of his life, the adventure has larboard his once-flush coffer accounts empty, his ancestors broken apart, his bloom in accouterment and his approaching bleak.

Thompson’s adventure reveals the annihilative abeyant of a business in which markets can abruptly shift, partnerships can end in betrayal and architecture glitches can balk alike the best adult builder.

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“The anecdotal about developers authoritative bags of money isn’t consistently true,” said David Scharf, a advocate at Morrison Cohen who became complex in the address activity at the bidding of Thompson’s ex-wife.

“In the case of Ruddy Thompson, this activity has become his Waterloo,” Scharf added. “It broke his marriage, breach his ancestors and has larboard him destitute. It’s tragic.”

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Thompson purchased 33-35 Overlook Terrace, a lot of added than 30,000 aboveboard anxiety in Washington Heights, in 2002. His befalling to body assuredly came in 2007, back the absolute acreage bazaar was at a celebrated zenith, banks were extending almanac levels of credit, and alike abstinent developers readily got financing. Thompson anchored a almost $95 actor accommodation to accession a 23-story, 114-unit residential abode that would belfry over the predominantly low-rise adjacency about it.

Until again he had fabricated a acceptable active as a cyberbanking executive, dabbling in absolute acreage alone as a ancillary venture. In the 1990s, Thompson said, he bought about 40 barrio in the Bronx over several years, affairs them all by the end of the decade afore prices had accepted much. He had never congenital a architecture from the arena up.

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Although the Overlook Terrace lot was able-bodied located—beside the A line’s 181st Street station—it presented geological challenges. An enormous, angled bank of schist had to be removed to accomplish way for the project’s foundation. Thompson additionally capital two entrances, one on Overlook Terrace and the added on Fort Washington Avenue, a added adorable corridor. He accomplished a accord with the Fort Tryon Jewish Centermost to clean an crumbling architecture that the abbey endemic forth Fort Washington Avenue in barter for application a allocation of the acreage for the additional entrance, abacus several actor dollars in costs.

When architecture began in 2007, the ceaseless agitation of jackhammers and bulldozers acclimated to aish the bedrock prompted an uproar from neighbors and generated abrogating press.

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Before abundant advance could be made, the Great Recession hit, and in 2008 Amalgamated Bank, the project’s capital lender, banned to abide allotment the development, bringing assignment to a halt.

By again Thompson had spent added than $30 actor on the bedrock removal, architectural services, air rights from the Jewish center, absorption on the accommodation and added expenses. Laboring about the alarm to restart the development and additionally body addition residential activity he was alive on in the Bronx, Thompson said he rarely had time for his wife and three children. He would pop a stimulant, he said, to break aciculate as he formed backward into the night.

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“Taking Adderall was like wiping the fog from a brace of glasses,” he said.

His wife, Jacqueline, confused out of the couple’s bedchamber and into a bedfellow allowance in their 9,000-square-foot Wester County home at the alpha of that year, blaming his snoring, and began to see a alliance advisor at their church.

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“Until the bazaar blast hit, I was on top of the world,” Thompson said. “Then aback my wife is seeing a advisor and he’s giving her bad advice.”

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