Michael, a business plan is a road map to inform others of how you intend to accomplish a business goal.

Each disbursement will have audit requirements and verification that work has been accomplished, then there will be a final appraisal.

For someone like me who only has around $100,000, i wouldn't be able to accomplish what I'm after in Australia.

@Iris Campbell what are you trying to accomplish?  

In the grand scheme of things this will be such a minor inconvenience for you in all your future accomplishments and unfortunately this guy will probably have the hardest time getting another job again. 

To me it depends on what you want to accomplish big picture. 

And today my goal is accomplished.

I also see that you mentioned a lot of things that you want to accomplish.

Its risky but you could use no income or stated type loan products over to hold you down (buy/take control of the property) while you secure her job and refinance out to a regular VA or FHA loan.I wouldnt advise it but these loan products typically require 15-20% down as well.However, it would accomplish the mission of buying before you can qualify for a full doc loan (fha/va/conventional).

Please consult with a qualified real estate CPA in regards to accomplishing this matter, as I am no expert.