i've told you this before and you fail to realize it, if you have to borrow money then that's not your budget. what you have in cash or what you can reasonably get within a day or so is what you have to spend.
if i was selling a car and you were a prospective buyer and started in with a whole spiel about how you have some money, but you're borrowing the rest and need to have the car appraised so that you can get the loan to pay for it i would straight up tell you to pound sand and go on to the next buyer-- even if it was at a lower price, just so i wouldn't have to deal with that ****.
my budget isn't 100K for a car because i could take a note on my house. my budget is the $7000 i have stacked up in a shoebox under my bed.
you need to get real man. this is why everybody thinks you're a nickle dick time waster.