Uhm, under the table? Did you know that anything $10,000 down and over, the dealer is required by law to report you to the IRS. If I were you, I'd talk to the dealer and see if you can first put $7k or 8k deposit, then like $9,900 down at time of purchase and leave a couple weeks between both transactions. That might keep "Uncle Sam" away from you for a while. And yes I think that you will be able to get a loan, but if you have less than 7 yrs credit history, your rates will be pretty high, regardless of credit rating. Good luck.
-2006 BMW 330i-Sapphire Black- Tera Leather-Aluminum trim- 6spd manual- Sport- Premium- Cold- Navigation- Euro. delivery
-2005 Yamaha Warrior 1700 102cu"