That was exactly the response I received from my bank. If I had (much less) straight W-2 income, that was vastly preferable to more income / cash flow efficiently structured. You would think that if anyone, “professionals” at a financial institution would understand and appreciate financial planning. But that is not the case at all…

And to the above comment about having flow-charts and spreadsheets, my accountant produced something analogous. But the bank essentially requested double-entry bookkeeping, and wanted to document from both issuing and receiving accounts EVERY substantial transaction going back almost a year.

I can certainly appreciate that the health of the financial system requires good underwriting standards, but this was a complete joke.