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One issue is the vocabulary of the word equivilent.

With poloynomial time problem reductions (which is what is usually used with showig a problem is NP complete, though I too haven't read the paper) equivilent just means something like "an exact solution in A translates to an exact solution in B." Unfortunatly, in general, an approxmimate solution to A doens't translate to an approxmiate solution to B.

Note: This part is me really guessing so please don't take it at face falue.

If I had to guess, I'd say that this is like densest subgraph in the sense that:

The mortgages are the nodes.

High correlation --> Edge connections.

So there might be a straightforward translation of approxmiate solutions. Like I said, just a guess.



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