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You can ask them if a VOD will work but I suspect not. Once they request it (and specify no overdrafts) they are probably not oging to take a VOD. I think that works better when you give them to the LO upfront. As far as what to do after the fact there is nothing if they will not accept the VOD. If you mess around too much or try to postpone they will know you are hiding something (and if they directly asked you about overdrafts/cash advances it would be mortgage fraud to hide them)
the bottom line is that cash advances being used regularly is a serious question mark on your file and the issue of why you need them shoudl be addressed prior to buying a house. Either way good luck with it.