If you go well over 20% down (30% to 40%) you will get significant relief on underwriting.

Having to restart a business is going to raise flags since it makes the previous business no longer a reliable way to assess income.

Thanks!

He doesn't actually then have a business nor does he have income, so he won't get a loan based on income from a different state and different business.

"He doesn't actually then have a business nor does he have income, so he won't get a loan based on income from a different state and different business."

It is going to be hard, but if you put enough down you can usually find a lender.