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My sister has a job making 120k a year. She's one year out of school. 755 credit rating credit rating which beat mine by a couple of points even though I have had established credit for over 15 years. She was denied a loan for a $40k Acura so I had to cosign for her.
Your mortgage and lack of credit history is what's holding you back. 60k is only four or five months of work. Just save up and cut bmw a check outright. Forget financing.
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