Looking to finance two new properties, how would you proceed?

[DeMario Drummond]

I have two new properties that I need cash for to speed up the rehab needed. I have two other properties paid off, but due to Covid, only one is actually cash flowing. I'm bring in about 10k a month from W2, my credit scores are 655, 655, 595, and my DTI is roughly 18%... Is there any financing options available for me with those stats, is my credit still too low? I do have derogatory private student loans of a total of 7k, and I'm curious to if that alone could be hurting my chances of getting financing. But I'm also a little lost, and uninformed about possible routes I could go. Is there anyway I could leverage either of my paid off properties through a HELOC or something, or do I need Active equity(like a mortgage) to do so? Am I missing a route that could be easier in getting cash for my rehab? Not sure how to go about crowd funding or partnerships? I don't mind just grinding and saving, thats what I'm used to. It's just I wouldn't mine shaving off 6-8 months of saving and piecing together the projects, if there was an option available that I may be unaware of. Any advice and/or suggestions would be greatly appreciated.