well, original submission was reviewed in 3 hours..they asked for more docs...took a week to get the medical letter and after submitting that and financials it was approved. I thought they wouldnot approve financials but they did. Cash in a brokerage institution. I wrote a cover letter explaining things. Everything was true but it had to be presented in a certain way. Grok helped we with this....lots of info. on how to get to human hands. According to Grok, alot of auto requests for docs before human even sees the app.
I had to submit additional docs but once I did, it was apporoved in an hour. I had given up and didnt expect to be approved cuz I didnt use bank account.