I have no credit history, never had a job, but for money I've been selling/flipping things online on forums, eBay, and craigslist ever since I was 13. Everything from iPhones, cars, high-end sportbikes and gear and basically anything I had laying around. Was never really an official business, never kept track of anything. I just did it to make a bit of money and sell off older items to get the better or latest ones.
Anyways, I'm working on a big online project right now and have probably 150 hours left worth of work to go. I still live at home with my parents. But the thing is that they're always arguing and the negative vibe really effects me. So it's always been hard to concentrate on homework (when I was in school) and anything else I had to do (working on this project). Also, we live in a small dead town, think...... I can get a decent nice house for cheap, but the area sucks type of town.
I dislike it here and as much as I love my friends, I don't wanna head where they're heading. (local junior college, working ****ty jobs, transferring to a CSU). And a good majority of my friends have already left for college, military, and/or leaving pretty soon.
My original plan was to get a decent apartment around here for $800/month which I could afford.
But something else came into my mind...
I want to get a loan for maybe 30k or so to move out into the city of San Francisco into a luxury, high rise apartment with a view. I'd use the money for living expenses and paying others to do the work I'd rather not spend time doing.
The idea is that if I'm comfortable I'll be more creative and alive to execute my plans more effectively. Of course, I'm not going to stay inside the apartment all day. I'm always going to the gym and doing random outside cardio and bike rides when I want to.
I've also found a place over there where entrepreneurs, freelancers, and just people who work for themselves all go to to work on projects and network with other people. That's where I wanna socialize and meet new people.
So what do you guys think, again, never had any credit history, never had a job or anything, and my parents don't understand how this would work and disagree with being a part of it.
They had the normal plans on getting a loan for the CSU I was going to attend like they did for my sister. I love and respect my parents, but getting them to believe this is difficult since they’ve worked hard their whole lives. But honestly, I’d rather just do this on my own.
The question I'm trying to ask is how would I go about getting this loan for this amount? It has to be possible. Please, any input will be appreciated. Thanks.