New York Newb Searches for Creative Financial Advise.

[Kendra Gimblet]

So I guess I am finally getting to the frustration stage where I've gone to banks and spoken to lenders and I can't seem to get loan price I'm looking for. Due to this I am wondering if I should change strategies or get a second job (I currently work full time as well as full time uni). I make 50k a year an am looking to get at least a 400k loan. I just want to know what I am doing incorrectly and what creative financing I should look into. 

I look forward to any advise. Thank you! :)