Don’t know what you want to call it.

Was more of an understanding that if I wanted to close on this house, I needed to do X, Y, and Z very quickly and very discretely.

Yup.

I was coached very well on how to deal with the underwriter by my broker.

We also hid a lot of debt in my wife’s name as a non-borrowing spouse to lower my DTI and improve my ability to “afford” the mortgage.

This was in 2018.