Im not sure if this would apply to your situation but it did to mine. I did a conventional refinance and had a few small challenges mostly to do with cash.
First, just make sure you deposit the cash more than 3 months out from going to UW. Atleast with conventional thats what I was told... it just takes a little planning ahead if you have that option.
The second option, like someone mentioned, pay the card with his account and call it a day. I did this with some paypal cash and had no issues.
And finally, I dont know if this applies to all situations but with my conventional loan there is a new guideline in place. You can deposit cash into your account up to no more than 50% of your monthly income. So if you take in for example $5k per month you can deposit up to $2500 per month in cash. I just did this one week ago and received clear to close with no issues
