Financing options: plenty of cash but income issues

[Sharon D.]

I found a FSBO and am preparing to make an offer. Asking price is $65k and I have $40-45k cash available to put into it. Question is, how do I finance this?

I would love to put 50% down and get a 10 year mortgage for the rest.  That would give me low monthly payments while leaving me plenty of reserves.  But would a bank be willing to loan so little? 

Other options might include: getting an unsecured personal loan to cover the $20k, persuading a friend or family member to loan me the money, or cobbling together the money from random sources like credit card convenience checks and maybe a Lending Club loan.

Problem is, while my credit is good and I have a decent amount of cash to work with, my income is low-ish and comes from four (!) different sources: part-time job, self-employment income, child support, etc.  (All are verifiable.)  Furthermore, at the end of the month I am quitting my highest-paying part time job and starting a new one.  This will boost my income quite a bit, but I understand that switching jobs is a bad idea when you're trying to get a loan.

What would you suggest?  I would like to have a plan before I submit an offer.

p.s. I'm planning to occupy the house myself.  As far as I can tell, it's in good enough condition to qualify for conventional financing.