<prompt> Human: Im military taking home 48k a year. Im a new homeowner. Car fully paid off. 5k in savings. Credit card is paid off in full every month. Looking to get 30k for home improvements, the largest of which will be solar panels wont go through the solar companys lender for unrelated reasons. Credit score is about 750. My finances are pretty solid, but I just want to know what lenders would be the best options to apply for an unsecured loan without having to drain my credit score by applying a bunch of times. Any advice would be appreciated.  <response>: How much equity do you have in your house? You arent going to be able to find an unsecured loan for 60 of your gross annual income. A home equity loan is more likely, if you can find a lender thatll go up to 85 or 90 ltv. Ideally you would have just put less down. You could also consider refinancing with cash out. But Id consider delaying anything and saving up cash and getting a secured loan on the solar panels. 