On the used market sold as new all 3 are worth 40% more than the loan I’m requesting.
This doesn't make any sense. You can't ask "new" prices for previously owned computers, even if they are unused and remain sealed in their original packaging. Electronics devalue quickly, and selling them for anything near the retail value of a new computer is highly unlikely. A lender needs to base his loan on their resale value, not base the the retail value.
I’m in Southern California in case physical delivery to a location is better, that would save shipping fees
I'm in northern California. Post here what you have, include photos.