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Honestly, I get why folks keep transaction diaries, but I think it’s overkill for most buyers. If you’re not moving big sums around or getting random deposits, you probably won’t get flagged that much. Underwriters are strict, but they’re not out to get you. I’ve seen plenty of deals go through with just basic documentation—no need to stress every coffee run. Just keep your main accounts clean and avoid weird transfers during the process.
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