Do you file taxes at all? I've helped people who get paid part cash and part on the books. In these situations their employers were willing to blend the cash income with the documented income. Sometimes, depending on each situation, this allows the lender to use your current documented income and qualify you based on that income. Banks usually look for some sort of indication that you've actually been earning the cash portion and it's not just something that's being done to manipulate the loan. The down payment is definitely a plus and so is the FICO score.
Also, there are stated income loan programs available for self-employed borrowers. This loan program is very unique in it's guidelines and lending parameters. But there must be a self-employed buyers in the loan and it'll require a 35% down payment. Rates are very low on this program.
Of you need someone to try to guide and help, I'm always available.
Senior Loan Officer
Sterling National Bank