I would like to point out he did not invest 45000 he spent 45000 out of pocket.  He took a loan of 405,000 and if the market decided to fully tank
he would lose the 45000 and part of or maybe all of the 405000 he borrowed.
  So it is misleading to say he turned 45000 into 85000 since he was responsible for a 405000 loan.