I finally got the approval on my refinance with my credit union. Unfortunately, rate went up due to the Fed rate hike but it's still over a percent less than the rate I'm paying with Tesla Finance, pretty much I'm now getting the same as the best rate available with Tesla preferred banks (3.74%). This lowers my monthly payment by just under $100 for the same 72 months term. Rate is good for 30 days. However, still have to wait for my loan number and for Tesla paying off my Model Y trade in before I can complete the refinance with my Credit Union. I do understand now why I had the initial problem with other banks asking for a huge down payment. As over 1/3 of my income is from rental income, most banks do NOT auto approve that application. My credit union initially declined me too but then asked me for my tax returns to confirm that my rental income shows on my tax returns and after I presented my tax returns, they approved my application as their underwriter approved it after seeing my tax returns. It appears that nobody takes your word on how much rental income you make. Credit score was no problem. I got an 847 on the 850 scale on their credit pull..