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Post being replied to

Not sure what ratio the underwriter is trying to fortify by The Flash

But another option is to offer to set up $3k in cash escrow, and the cash
just sits in the account until closing or until until it is verified by
documentation to their satisfaction that you already paid the IRS. Their
insistence seems a bit unreasonable, but, as I say, they may be trying to
comply with some numerical ratio and this is their way of enforcing it.