How much down payment for stated income loan in Illinois?

My sibling’s documents and income of $ 30k year may not qualify for a mortgage loan amount of $ 220k.
I am self employed and can’t document my income but we both got excellent credit score of over 750.

I was told my some banks that if that’s the case, we have to do stated income loan but need 20% down and little bit higher interest rate than on traditional loan.

Is there any lender or bank that doesn’t require 20% down on stated income loan?


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