No income, would like a loan, can place 50%+ downpayment

[Dave Cinema]

Hi! Thanks for reading my post. 

I am a first time home buyer and not familiar at all with the loan process.

I, like many others became a speculator and trader in this crazy environment. I found quite a lot of success in 2021 as did many others, and I managed to keep my profits, and the short term capital gains reflects quite a large sum, but now, I am unemployed and trading/living off that sum.

I was working as a dentist prior to joining the horde of traders, but it soon paid more to trade, and I'm finding success this year too, and would like to split my time working part time in dentistry and the other part time as a trader. In truth, I have found this environment exhilarating and would like to trade full time, so the income I would claim from dentistry would only be 1 or 2 days a week. I just want to stay sharp in the dental field and potentially help the process of getting a bank loan.

I have enough free liquidity to purchase a home in cash and will have a substantial amount left over. I have a credit score around 780 and will be purchasing the home with my wife and son. I think my wife's credit score is similar to mine. I currently have a 600K student loan.

My goal is to either buy a single family house, or multifamily home in a high interest rate environment and refinance at a lower rate later, and at the same time, take advantage of the lower home prices coming.

My views are that inflation will stay persistent, so the debt will be inflated away to a certain extent over the years. My ideal risk would be 50 percent down payment, 50 percent loan, though I am open to suggestions.

What would be my first step in seeing if I qualify? Do I apply online? Are there types of loans I should look for or particular lenders to work with?

Any other general advice would be appreciated.

Happy to be a part of this community and looking forward to learning as much as possible