Without diminishing your experience, perhaps we all could have been more solution-oriented.

Quote from @Christian Styles: How weird.I would have a straightforward conversation with him.

You don't know how many times I coul get conventional loan in this way.In my case, my actual DTI is very low, but the way the gov calculated the income is so 1990-style that it doesn't reflect our true buying power.

@Christian Styles, I appreciate the conformation to my exact thoughts👍🏻.

Market is priced based on auction style, so a lousy house can be sold higher than a good home sometimes depending on seasonality and availability of buyers. 

I’m also interested in banking with a community oriented bank or credit union, black owned bank/CU, or similar, but interest rates there are often lower than online HYSAs.

Quote from @Christian Styles: Hey Luis!

So its a great gig for someone who is very detailed oriented does not really want to deal with sales and wants to work from home as an IC..

Make a new account or try to post in separate forum styles etc.

But even if not, the real world application of understanding business may be of help in real estate style business albeit not required by any stretch.