If that's the stance your taking, then you need to get more money / earn more income.

Edit for clarity:

You are high risk. No lender wants to loan you money because you likely won't pay them back. too much of your money is on basic needs (housing), and now your going after expensive "wants" without the income to support it. You also are going against financial wisdom.

It's your right. It's just anyone with money is going to be super cautious with you.