Perfect post HLS. My first house I bought was 50% down, 8% DTI back end, 775 fico, and I still needed an extention to not pay the per diem through BofA. Yes they dont care and what really held me up was cash. DO NOT dump cash into your account up to 2 months. That almost killed my primary deal right there. Even though it was only 15k that is a ton to them. Line yourself up for a smooth transaction ahead of time. One broker said it best, “when your file falls off the tracks at a retail office it is hard to get it cruising on the track again”. But their rates and fees were low. You just have to prepare ahead of time.