Based on that, you're ok.

Quote from @Na Wilson: I have a source (depending on credit score) that can do a 90% LTV DSCR loan on non-owner occupied real estate. 

This comprehensive approach captures emerging trends and significant shifts in the US economy, offering a detailed benchmark for metro performance.Our report and interactive online tool break down the components of the BPC index, delivering actionable insights into the factors driving short- and medium-term economic performance in US metropolitan areas.

One note on this @Jenny Yu. 

It's up to their tax professional on how to present that info on their tax returns.

I’ve bought some houses with 0% interest for a year credit cards and a few with consumer lines of credit from banks.

That 4% cap rate on in place financials is a lie.  

Your financial background is a huge asset, and it’s great that you’re starting locally in Milwaukee while keeping an eye on future expansion.If you’re looking to connect with like-minded investors, the Rental Property Association of Wisconsin is a fantastic resource for networking with rental portfolio owners, accessing legal resources, and finding contractors. https://www.aasew.org/For mentors, funding sources, and flippers, the Milwaukee REIA is another great group to explore. https://www.milwaukeereia.com/I’m a member of both and find unique value in each—maybe we’ll cross paths at a future meeting!

Also, any advice on managing budgets for PPC in the real estate sector would be really helpful.Thanks in advance for any insights. 

Feel free to keep us updated on your findings here.