Not sure if my post went through or not.
Avemco turned you down, I take it?
I did not apply to Avemco but I did apply through AOPA and Falcon and have been turned down as they couldn't find an underwriter who would accept me. I planned to spend at least 60 hours with an instructor before flying solo (20 hours getting used to the plane and 40+ hours getting my instrument rating)
I have a buddy who is also my CFI who is willing to help me but I can't buy the plane without insurance... rock, meet hard place....