The first 2 things relating to your question are, Hudson City was bought out by M&T Bank, and from what we have heard will only be doing these loans for another month. Keep in mind, they are NOT No Doc. Investor Savings requires 50% down. These are Reduced Doc, or State Income.
Based on what you have said about your employment situation, you would not qualify for either of these loans. To qualify, you would have to be self-employed for at least 2 years. Even if you changed from being a W-2 employee to a 1099 in the same industry, regardless of past income, you would not qualify.
There is no one who does the old kind of asset based lending. If you had a very large amount of assets, in the multi-million dollar range, then there are loans that allow for what is called asset depletion, but this doesn't seem to be the case for you either.
It looks like you will have to wait to purchase. What I would recommend is that if you do want to buy in the future, make sure that your accountant gives you as much income as possible, rather than looking to give you the largest amount of losses to keep your tax liability low.