I had a deal two hours from closing. TWO HOURS. Everyone had signed, the wire was supposedly in transit, champagne was literally chilling at my office. Then the buyer's lender calls and casually mentions they need "one more document" – a letter explaining a $200 deposit from three years ago. Two hundred dollars. The buyer couldn't remember what it was, guessed it was a birthday gift from grandma, but grandma had passed away last year so couldn't write a letter confirming it. The lender wanted documentation from a deceased grandmother about a deposit that happened during the Obama administration. We scrambled for six hours trying to find bank statements, old cards, anything. The seller had already handed over keys to the new owners of THEIR next house. By the time we sorted it out with an alternative explanation letter, the seller was so traumatized they almost backed out on principle. We closed three days later but I aged approximately fifteen years. I now tell all my buyers to explain every deposit over $50 in writing before we even start looking. Birthday money, garage sale cash, everything. Document your life like you're being audited by the most paranoid accountant alive.