The S8 program was never designed to put S8 tenants in Class A rentals!

Hard money is a great financing program to get you going.

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.

The secret is tenant selection, and finding good tenants in the program. 

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

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

It also keeps to a nationalistic conservative agenda, and without capitalism, it is just cuts to programs, and no investment into other areas. 

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 don’t have a large down payment saved up, don’t worry—there are plenty of options available . . .”A trusted lender will go over the various loan types with you, any down payment requirements on those, and down payment assistance programs you may qualify for.

And with brokerages now offering new agent programs where they will pay 100% of the expense to get licensed, there is literally no reason not to.