I just do not understand the need to add "benefits" to the programs  that are just not real. 

There are many loan programs to help out first time homebuyers so don't feel as if this is too ambitious when there are tools to help you out, like use here on the Forum!

Try this link: Publication 5653 (6-2022)

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.

With the newly implemented congestion pricing in Manhattan easy access to NYC public transport is golden.

The only advatange of Private/Hard Money Funding is less paper to non paper work or a Non Tradition Lending programs available like DSCR (debt service coverage ratio) or Bank Statement.

Similarly, looking up deeds of trust, licenses, or other public loan documents, as is often recommended here, will only confirm that the company exists - not that you are speaking to a legitimate representative.

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.

If you register but do not have a registered agent they can often serve you by publication, or perhaps by serving the Secretary of state or any of several ways that might result in you not knowing that you have been sued. 

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