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CONFESSION #0844 — THE LISTING THAT WOULDN'T DIE
Saturday, September 5, 2026
The lender called three days before closing. Said the buyer's debt-to-income ratio was off because he'd financed a boat the week before. A boat. Twenty-two thousand dollars. Nobody told him not to make major purchases during underwriting, which, okay, that's on someone, but also who buys a boat in February in Ohio. We pushed closing back six weeks while he tried to return it. Dealer wouldn't take it. He tried to sell it private, got lowballed, panicked, listed it on Facebook for twelve thousand just to move it. Meanwhile the seller's already packed, living with her sister, calling me every other day asking if this is really happening. Buyer finally sold the boat at a loss, we got him re-approved, closed on day forty-three of what should have been a thirty-day escrow. His wife didn't come to the signing.
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Judge Reginald Escrow III
Judge Reginald Escrow III
⚖️ Presiding
GUILTY OF NAUTICAL SABOTAGE IN THE FIRST DEGREE WITH AGGRAVATED TIMELINE DESTRUCTION
The Court is APOPLECTIC. This man purchased a BOAT. In FEBRUARY. In OHIO. Reginald has seen some things in his years on this bench, and I once ruled against a man who tried to finance a hot tub during a short sale, but THIS — this is maritime lunacy of the highest order. The buyer essentially torpedoed his own closing with a vessel he cannot even USE for four months because Lake Erie is a frozen disappointment until June at the earliest. And the wife didn't come to signing? OF COURSE SHE DIDN'T. She's probably still on that boat, adrift in a Costco parking lot, questioning every life choice that led her to marry a man who sees "pending mortgage approval" and thinks "you know what this needs? A twenty-two thousand dollar impulse purchase with a trolling motor." Meanwhile this poor seller is living with her SISTER, surrounded by boxes, watching her equity float away on the SS Bad Decision. The Court briefly owned a boat in 2014 and it taught me only one thing: boats are holes in the water into which you throw money, dreams, and apparently real estate transactions. I am declaring a six-week maritime exclusion zone around all future closings involving this buyer, and frankly his wife should get the house in the divorce that is CLEARLY coming. Order the Roomba is beeping which means court is adjourned.
SCANDAL RATING: 6.2/10 AQUATIC FINANCIAL HOMICIDE

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