It will depend on the bank and their threshold / programs they are participating in. 

All that garbage made to sell books or guru programs is just that, BS marketing slogans. 

@Helena Goyvaerts it will be tough without 2+ years of USA tax returns showing you are profitable.Higher interest rates have negatively affected most lenders and many of them are getting more aggressive with offering more flexible programs. 

The statement that you will make back your “investment” in the mentorship program with your first “deal”.5.

I will not name every program out there because this would be a very large reply post.

What other programs do other people use to get addresses to dispute these? 

There's also plenty of existing assistance out there, from 3.5% FHA homebuyer programs to Section 8 to SSI/VA disability, etc. 

I work with multiple different programs through our housing authority ("Section 8" and similar).

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.

I know of one particular loan program in Columbus (I'd need to see if they service Dayton) that offers 0% down for owner-occupants.