Getting a loan of some kind is the easy part at that loan-to-value; qualifying for the best agency terms still comes down to documentable income that will continue. Lenders do not waive their debt-to-income standards because the down payment is large. Financing only about a third of the value helps enormously, since the loan and payment are small, but the approval still measures documented income against the proposed payment and any other debts. Three things drive how your file reads: - Steady part-time hours at a consistent weekly number make a clean, simple calculation. - Hours that swing get averaged over roughly the last two years, which can help or hurt depending on which way the trend runs. - The retirement plan matters most. Qualifying income has to be income you can document as continuing. If the plan is to stop working in two years, we would look at what retirement income, Social Security, or asset-based income can be used in its place. For someone with substantial assets and a small loan, asset-based qualifying can work well. This is a genuinely nuanced file, and the answer depends on details a general rule cannot capture. It deserves an experienced loan officer structuring it from the start, and the free Roadmap conversation, about 20 minutes, is a no-pressure place to begin. We run your real numbers and show you the options.