There are new "Ability to repay" rules that require a lender document your income, the source of your income and anlyze your ability to service the debt according to federal guidelines. Your income must be from a legal source, must be steady, must have a history of receipt and must have the assumption of continuance for at least two years.
While i'm sure there is some nut job lender out there that will let you do a stated loan, I can only say I hope they don't for their sake, your sake and the sake of the market in general. Stated income loans, also known as "Liars Loans" were a very large part of the debacle that us industry professionals have had to endure for the last seven years.
If you are successful in finding a loan, expect to pay above market rates. There are several flags here, I won't necessarily call them red flags, but stated income, gifted funds, keeping your current home, any or all of these could spell trouble even when stated income loans were common.
When I did stated income loans, we as a mortgage broker's office were still obligated to verify the income ourselves. Not everyone did this, and perhaps that's partially why we had the melt down.
As things progress, if you find a lender let us know.