The answer to that will be highly dependent on the individual and the lender they're dealing with. Without knowing any specifics about your situation, the only advice I can give you is to explore financing options through a few different lenders. While there are general guidelines that all the lenders will follow, some can be more flexible than others. Now, if you already have shopped around and you've been told no by multiple companies then there's a good chance that there are one or more factors that you need to address.

I would recommend looking at /r/personalfinance - as always, I would take any advice from Reddit with a grain of salt but that sub generally has good advice that can at least put you on the right track. Make a burner account if you don't want your financial details linked to your main account.

I've been in a similar position before so I know how hard it can be. Best of luck to you.