There are now six ways to be instantly rejected.
The new, sixth, one is this:
The novel isn't finished. Finishing a novel is just the first part of writing it. After you finish, you edit. Then you let it sit for a while. Then you edit again.
If you think you're going to be done soon when you've only written 85% of the book, you're wrong. And you're also getting a rejection.
Query ONLY when you can send the fully finished and carefully edited novel as soon as I request it.