No investor (myself included) will do that type of loan at 4.5% for 10 years--especially when we could do at least 8% plus points for 30-180 days (for a rehab loan). It's FAR too risky.
If you want 4.5%, then you'll want to work with a bank. If you'd like to do stated income, or equity partner with an investor, then you'd need to prepare to have some "skin in the game" and prepare to pay a higher rate. That "skin in the game" and higher rate are how we offset our risk in making the loan.
You mentioned that you could put 30% down (which is good), and that you've purchased 2 other homes (which could also be good [depending upon the purchase price, terms, and other factors of each deal]). I might be willing to work with you, but I'd need to know more about what you're trying to do. Please feel free to contact me.
Plus you don't want to do a stated income loan, or you'll be nailed for loan fraud. If a stated income loan isn't loan fraud for you (meaning you actually make that income), then you could just provide tax returns to qualify and call it a day. But if you don't actually make the income you are stating, don't do a stated income loan! You need a "no doc" loan which doesn't even approach the income part of things, or a lender who doesn't care what your debt to income ratio is ("No Ratio" was the common description for that type of loan program back in the sub-prime days).
Rita Wilson-DeGazon, Chicago, Il.