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

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.

Bad part about low money programs people don't talk about, before 2022 this would not be a factor

The most you'll see is that it comes from some Warehouse Lender, which is usually just another bank or affiliate.

I was googling programs and came across baselane and it sounds like exactly what i need.

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.

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

The judgments have to be looked up manually, because screening software only looks for unlawful detainers and the Virginia court records don’t feed consistently accurate to the other programs.

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

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.