I waited the full year before bringing it back up to them.

What it seems like you are doing right now is stretching and rushing.You have a good nest egg for your annual salary, you don't want to burn that all and have to wait a few years to build it back up again.

Im damned and determined to get going asap and am doing what I need to, to get my credit back up so this is all easier for future flips!

I like ARE, alexandria real estate equities, they focus on sub-urban office for life sciences labs/medical, which is something that has to be staffed in person, not from home in your underwear :), they are down 50% in 2 yrs like all the other office REITs, and by valuation have not been this cheap since 2008, but once the panic about "work from home" subsides, their value should rise back up to its historic rate.

What is more common is that our clients will have a back up purchase like a Delaware Statutory Trust identified to buy into if one of their purchases fails. 

Each STR property I acquire must meet two financial benchmarks: a gross rent multiplier (GRM) of 5 or less [Property value divided by projected income must equal 5 of less], and compliance with the 1% rule as LTR, which serves as a backup if regulations shift or if there's a decline in STR income.

And were so Tapped financially  we had no choice but to put it on a back burner, move into my inlaws basement, and loose our stability, security, and stash.

It's always good to have a backup plan!

Even if you have 2 backups 3 years apart it is likely there is something wrong with the line.

Find out how much those late payments really hurt your borrowing power (ie get actual numbers on how much you'd pay now vs once your credit score goes back up).