Here's another one. Pull out a Line of credit loan for a house. Pay off the house as you go. As the years rolls on the value of the house also increases so when you go to pull the money out for the R, they will look upon you more favourably. Also remember that in theory, your work salary will increase. Pay off about $80-100k then the prices of a R34 GTR V-SpecII Nur will decrease, and you can happily purchase one by taking money out of the loan....