Well, I don't think so.
It's an illusion of choice from DPC, I assume there would be nothing in the stolen documents that would allow the loan to be canceled. Either Derek comes home later and steals the documents to help Maya.
Otherwise, DPС needs to create two branches of Maya, one with stolen documents, one without. One branch creates some possibilities and variables, the other branch creates others, and things go on from there. This is too complicated, DPC would just get confused.
It makes sense to create such complex сhoices late in the game, but not so early.
Well secondly, we've already gotten some joint previews of Maya and Josy where Maya doesn't look sad.
The anal scene between Maya and Josy might be a bonus if the documents were stolen, but nothing more than that.
Creating a code as complex as you described is insane.