You are correct, Banks almost wont even look you if you are maxed out on your debt to income ration, they want max 40% with suffient capital within your accounts to carry the note I believe for a min of 6 months.Essex is the Costco financing company for RV's and Boats.
I think they require FICO 700+; w2/pay stubs; tax returns past 2 yrs; 40% max debt to income ratio to get started.
In todays market the banks want SECURITY. They get security in different ways such as higher downs, less years, must document on 27'+ etc. The security will vary on the individual but you can bet no more sig loans and they will error in THEIR favor.
Newcoast also does high performance. Good Luck.