My credit isn’t the best and I would not qualify for doing so looking to invest in Milwaukee or the Midwest area Would prefer to buy a hold, but would be interested in house flipping. 

You’ll likely qualify for better interest rates and lower down payments with a conventional loan in your personal name.

The only good thing was that it was enough to qualify for mortgages because I’d worked in the same line of work for years.

But yes you can look into a refinance with a DSCR loan if you do not qualify using your personal income.

Whether you're a new investor or looking to scale your portfolio, qualifying for traditional loans can be a challenge—especially if your personal income doesn’t meet the strict requirements.That’s where Debt Service Coverage Ratio (DSCR) loans come in as a game-changing solution for real estate investors, providing an easier way to finance properties based on the property's cash flow rather than your personal income.What is a DSCR Loan in Real Estate Investing?

I love it because it does not factor in my Debt to Income and just qualifies the property.

(In Baltimore City there is a mandatory 10-day grace period and in Maryland the max late fee you can charge is 5%.)

This could boost your cash flow without relying on stock market returns (Which can be volatile)2.Real Estate Professional Status (REPS): If you’re leaving your W2 job, qualifying for REPS can allow you to deduct real estate losses against your ordinary income, giving you a big tax break.3.Cost Segregation: This can accelerate depreciation on your properties, creating significant tax deductions.

Most “Gurus”, authors, advisors and experienced real estate investors preach obtaining seller “carry back” financing for property buyers in order to (1) obtain financing when they don’t qualify for a 3rd party loan (2) obtain financing when the property doesn’t qualify for financing and or (3) extend the “buying power” of their capital contribution (down payment) to purchase a larger more expensive property by having the seller provide a subordinated mortgage loan.That’s all and good, but why should the seller agree to finance the purchase of his property, instead of getting CASH for his equity?

If you materially participate and the rental qualifies as a STR you should be able to take advantage of bonus depreciation on a STR.