I could be wrong, but I dont think anyone is doing stated income anymore.  Your best bet may be a local bank or CU if you have an established history with one.  With that much down they may be able to help you.  I don't hink any of the big banks are even touching these loans anymore eben with large down payment.  It may help if you have a high FICO and low DTI, but low DTI when you are using stated income doesn mean much since the income is not verified.