It’s funny you mention the “method to the madness” because I’ve been through this circus more times than I care to count. Last year, I was refinancing...

That’s actually a common pain point. Underwriters flagged a random $3k transfer from months back in my case—turned out it was just a friend paying me ...

Honestly, I think it’s gotten way more intense, especially post-2020. I’ve had to dig up six months of bank statements for deals that would’ve sailed ...