Is it? Sounds like OP gave some additional background, unless those bits about the housing market and the business are in that song. I think OP referenced the song but the events described happened in their life.
Certainly could be, and if so it’s a delightful coincidence and a story I would tell often to fish for 1990s country music listeners. Although I doubt they actually flipped the coin in that exact way, unless they were inspired by the song to do so.