If you have taxable income, you need to file your IT returns and pay taxes as applicable. If you are carrying on your real estate agency business as a proprietor, normally there will be no documents. You need to have partnership deed, if you are carrying on the business as a partnership. If you don't have partnership deed, it is unregistered firm.
You may take loan only if you are confident of repayment. Otherwise you will get into debt trap situation. If you are not confident about your repayment capability for any reason, be honest with your family and say that you want to be prudent.
If you have the confidence to make the repayment of loan, you can file your Income Tax returns for the last two financial years, i.e., 2013-14 and 2014-15 by disclosing whatever income you earned and pay whatever be the tax liability.
If you intend to take loan for purchase of a house, it may be worthwhile to do so because normally the value of the property appreciates, while the loan amount gets reduced with regular repayments. You need to balance between present rentals with the likelihood of appreciation and the EMIs that you need to pay, so that you don't get into liquidity crunch, while repaying the loan.