No one is perfect though in RE if your doing volume your going to have a few that are bummers but at least in our program there is control.. not this feeling of helplessness when you hand your money over to a syndicate and they go dark your totally out of control of your funds..

New Orleans Project Home Again (Louisiana): Implemented after Hurricane Katrina, this program involved a land swap and redevelopment initiative.

What would be considered the easiest program for small hard money lenders to use to track loans and history and sending out 1098 's?

This is true whether those clients were on the optional recordkeeping program or not.I don't have a lot of details and am not personally involved in this program in any way, but I have experience with SEPiraK separately and they are a quality operation.You can reach out to info at sepirak dot com to learn more. 

The 25% has to be your funds.Now, there are non conventional options that would be a bit more flexible but even most of those programs will require at least 20% down with no second mortgages filed on the property. 

If you do not have (2) full years of 1099 you can still get approved for a mortgage using a Non/QM program like a "1 Year 1099" program or Bank statements.

Some rehab lenders have favorable refinancing programs to convert the rehab loan to permanent 30 year financing.

And don’t sleep on local banks or credit unions—they sometimes offer flexible portfolio loans that could work for a deal like this.Since your wife qualifies as a first-time homebuyer, check out any state-specific programs or HUD options for down payment assistance.

We are starting to see more sellers open to real estate contracts and have some great lenders who have great programs.

I think once you get more than that, you would need a more expansive program