You’d think lenders would be thrilled to hand out money to anyone with a pulse and a dream. Spoiler: They’re not. Behind all the "we're here to help you" slogans is a hard truth—lenders have a very specific idea of who they want to lend to. If you don't fit the mold, many of them will happily (and quietly) move you to the “No Thanks” pile. Here are three types of clients most lenders turn away—and what you can do about it.