I could put 80% down, will the bank give me a loan?

[Logan McNay]

Hey everyone, first time poster from Wichita KS. I'm 22, looking at buying a first house. I don't have any prospective homes in mind yet, I'm curious to know what you think I'd qualify for.

The Question:
If I went to a bank and said I had enough money to put a high down payment on a cheap house, say, an 80% down payment, BUT I've made an income of less than 20k a year after taxes for the last 2 years since I'm self employed, what do you think my chances are for getting pre-qualified for a mortgage? 

Likewise, say you have enough to put 80% down, if I can show that I have the cash, could I just put 20% down and use the additional cash to do cosmetic repairs to improve a house and increase the value? 

Also, my credit score is 734 with only a $1,500 line of credit.

Thank you!