I have outstanding credit (774 - 796) and about $10K in the bank.
I own the condo I live in and paid zero down in April of last year and still owe about 99% of its value. I also have student loans amounting to about $80K.
I have been continually turned down for financing options from banks because they want more money down or do not like that I am self-employed (even though I make twice as much now as I did a year ago).
What should I ask differently, or what should I do that I'm not doing?