Home loan for independent business | WFH

I am an independent business owner(proprietor) with a GST and IEC. I work from home which is why I don't have a commercial space in my name. Recently I tried applying for a home loan and was shocked to see how reluctant the Bank(HDFC) was to give a loan to someone like me. They said they can give at max 2x of my annual income that too on an escalated interest rate of \~10%pa What are the ways out here for me? Should I take whatever they are offering or look for small cooperative banks? My profits in business is around 95% of the turnover so I can easily pay the EMI's