Yeah, the loan guys you talk to on the phone don't know all the details. Mine was all okay until it went to the underwriter, and she was the one who wanted to see the periodic draw confirmation from my IRA custodian and the checking account statement showing the deposit. At the time, they would not accept anything other than a confirm from the broker. And they especially would not accept our irregular withdrawals--it had to be regular fixed amount monthly withdrawals. Near as I can figure, they want it to look like a paycheck.
Wierdly, the last 2 times we refi'd, they did not want to see our 1040. Of course, Roth withdrawals aren't taxable, so those won't show up as taxable distributions at all. I even offered to send in a copy of the 1040's and they had no interest in seeing them.
Maybe it depends on the underwriter who reviews your file, maybe it depends on what side of bed they got out of.