This is illustrated in the Case Schiller Index, and what our business uses as a base metric.

The example you illustrated is very helpful.

I can use my calculator and make some guesses for illustration purposes.I will put together an in-depth analysis that I use for my house hack clients if you can give me the above information.

In Texas the title company will release it to you if you have a financing contingency that is covered in the contract.A title company in Texas is not going to release any earnest money without a release signed by both partiesHere is a good illustration of the process when there is a disputehttps://lonestarlandlaw.com/earnest-money-disputes/ 

The purpose is to merely illustrate the idea as simple as possible.

The classic example is people who work "under the table" and pay no tax (illegal of course, but just for illustration purposes), and then want to buy a house and are asked for their tax returns... which show no income!

You never stated any where in your post that this was your first transaction, only that you were the realtor, and the 2nd sentence in my post illustrates the issue there. 

It's next to impossible to address in an online forum properly.To illustrate my point, you could be talking about a highly appreciated piece of vacant land in a desirable area or a neglected commercial property in an urban area decimated by Covid or a cash-flowing beach property etc. 

Sometimes a letter of credit or assignment of a CD can be used when fees and guarnatees are higher, which may illustrate good money management on your part along with the appropriate argument as such are insulting your ablity to pay.......LOL

I use very abstract examples to illustrate a general point.