OG 159 whose vt. because/in that

159. While depressed property values can hurt some large investors, they are potentially devastating for home-owners. whose equity--in many cases representing a life's savings--can plunge or even disappear.

(A)  they are potentially devastating for homeowners, whose

(B)  they can potentially devastate homeowners in that their

(C)  for homeowners they are potentially devastat­ing, because their

(D)  for homeowners, it is potentially devastating in that their

(E)   it can potentially devastate homeowners, whose

OG的解释：
The pronoun whose clearly refers to homeowners and efficiently connects them with the idea of lost equity. In B, C, and D, substituting in that their or because their for whose is wordy

My Question：

排开其他的错误不谈，这里怎么理解whose的非限定性定语从句的作用，想确认一下一个问题

whose有直接限定修饰前面一个名词homeowners的作用，而in that和because丧失了这种修饰的作用，仅仅只有解释说明前一句话的所用

可以怎么理解么？对于这个wordy，实在不太理解，请大家帮帮忙！

这个问竟然没答过，hoho~~~~~同问

google上搜in that可以连接两个句子，“因为，由于”的意思，为什么说wordy,awkward,and ambiguous(OG11-19同题)

"B  Can potentially is redundant；in that their is wordy, awkward，and ambiguous．"

除去d中their的指代错误，in that 还有其他错误吗

我选择b...但答案好像不是。。

同问！1