Loans Options in Hawaii w/o W2?

[David L.]

Looking to secure a loan for a home but running into some issues.  Here's where I'm at: 

• Self Employed (less than 2 years). 
• Wife has W2.
• Recently refinanced primary residence (less than 1 year).
• Can put down 20-25% down on new home.
• Looking to move into new home, rent out current one.

From what I understand, I have two problems. 

1. Banks that use federally backed loans (F.Mac, F.Mae) require (desire?) at least 2 years of tax returns for those who are self employed. 
2. Can't use any rent income from my primary residence until I have lived in it at least a year (apparently a refi will reset that counter).

Are there any suggestions around these hurdles?  If I can acquire the new home, I don't mind staying in my current home and renting out the new one for a year.  Although I don't even know how the bank would know whether I simply moved into the new home and rented out my current?

I've heard that there are other lenders that don't necessarily follow the same convention as traditional banks? I've read some members posting about http://www.netlendingrates.com/? Are there other similar options?

Thoughts / experiences?

Thanks!