Honestly, I get why it feels like overkill, but from the lender’s side, it’s about risk management. They’re not just looking for reasons to say no—the...

Big companies definitely have the resources, but I’ve seen them drop the ball too—especially when it’s a less common issue or something outside their ...

Yeah, I’ve noticed it’s not always black and white either. Had a lender last year who barely blinked at my DTI because I had solid assets and a long t...