I am considering a DTV but my situation is a little more complicated and I have questions which have not been answered yet, I don't think.

The money in the bank is not an issue. However, as I own businesses in the UK, I don't get a formal salary and I simply draw from a director loan account with over £1m in my favour. I am not trying to explain that to someone at immigration as they will never understand it. I could magic up a contract or whatever but it clearly isn't £xxxxx per month etc. matching deposits into my accounts.

During the application process, it asks when you are arriving and when you are leaving and if you have accommodation for the duration. If I put 180 days and can't show accommodation for 180 days, then what ? Ideally, I don't want to have to arrange any accommodation and I can't arrange it without the surety of obtaining the visa. Same with flight tickets, I can't lose £5k on flights.

Extensions and 90 day reporting. Are they asking for financials everytime or ever ? Has anyone done an extension at 180 days ? My understanding this is available every entry, not just once but that it is available once per entry.

Banking. I have bank accounts at SCB but would prefer to diversify and open others. I read the DTV is not a non immigrant visa so blah blah but is this categorically proven or just half reality, half internet twaddle. It doesn't officially affect me but I could use a non O visa otherwise.