OC has no income at this time.
She likely has little/no savings (young unemployed NYC bartender).
She has no meaningful liquid assets.
She spends other people’s money freely.
Not a good loan risk.
She has guaranteed employment for the next four years at $700,000. I hardly think she would be considered any kind of a risk.
Oops, $350,000. Hopefully her constituents will realize their mistake and not reelect her.