It's just inexplicable to me. You've got excellent personal credit score, sizable revenue (not that it matters, because people have been approved with $5 revenue), years in business (again, people have been approved at 1 year). I wonder if you might have miscounted your 5/24. I also wonder if selecting "real estate rental and leasing" as your business increases the scrutiny and changes the calculus. In which case, start up an eBay business, select "retail: books, hobbies, music, sports, general, non store retail" > "electronic shopping and mail-order" > "electronic shopping" and apply as a "business" like the rest of us!