Ms. Ngozi harboured dreams of finding the perfect luxury apartment. Her job had recently relocated her to the Lekki-Ajah environs, and she was eager to settle into a new chapter of her life.   Scrolling through online listings on Instagram, she stumbled upon a sleek, modern 4-bedroom apartment in an 8-unit luxury flats high-rise building in an estate near Lagos Business School Sangotedo in Eti-Osa local government area that seemed to embody everything she desired.   The real estate agent in charge, a smooth-talking individual named Ms. Ekaette, assured her it was a steal of a deal.   Emboldened by…