I know your involved at a high level with Board of Realtors and state regulators .. 

I enjoy teaching BP members how to use the system to save more money by using programs and taking advantage of loopholes.

Some programs will do the full LTV that a long term rental would have and some lenders will reduce the LTV by 5%.

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

@Avani PatelFor my flipping business, I prefer to use fewer software programs to streamline things.

In many cases bigger banks or lenders have specific programs that cater to first time home buyers and investors. 

It's a quirk that very few areas of the country have.Both the city and county have their own areas that have Section 8 residents, but the Housing Authorities that handle the programs are different. 

It varies by program.To learn more about DSCR programs: DSCR loans won't use your income to underwrite the loan.

(most hard money loans require 10-15% down depending on the split between purchase price and rehab). but that is both (1) risky and (2) expensive, as you're paying interest every month on 100% of the borrowed funds. private money is fine, you're just bearing a lot of risk and also involving the relationship in your very first deal. 

Many DSCR programs require an investor to have a mortgage history- there are some DSCR mortgage programs that will work with investors who are renting- some refer to them as first time home buyers (FTHBs)- DSCR loans are only for investment properties where the owner isn't living there.