The fact that they don't fully underwrite perpetuates the problem that they're trying to mitigate. I must send the file out to five funders because I need a backup plan for when the deal blows up after signing, since apparently only the janitor set eyes on my file before issuing docs. Real offers would cut down on how many places I have to submit. I'm just especially mad at this one because it's big, there is no plan B, and they had all stips for weeks before the janitor handed the file to the varsity underwriting team.