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pretty much normal where more than 1 thing is left out. Many apply the attitude that if this was left off that they could find out about, what else is there that they dont know about partly this is a lender /broker issue as well, we probe pretty hard and ask for account statements to cover...

Im going to be blunt, and its not directed at you per se ( since I know zip about your circumstances) but others that will pick up this thread sometime in the future. The core reason is the expectation of price of rate vs ready availability of funds........ I guess the funder never even...