I tried to flip homes and invest into real estate with out any money but I obviously had zero money or credit; i was a broke college kid haha. 

Please feel free to DM me and we can set up a call and maybe work together/share local tips!

Having separate checking accounts (and credit cards) specifically for the rental properties might help the most as far as expense organization (and tax) accountability.

With lower credit score myself because I did not do credit much it is hard for a bank to see if they want to take me on.

If you lost your job, or your credit changed, then you could not do this or other strategies.  

This law prohibits an institution from disclosing a consumer’s nonpublic personal information like Social Security numbers, income, and outstanding debt, to companies that are not legally related to the institution.https://www.ftc.gov/business-g...https://www.ftc.gov/business-g...Also, most credit agency contracts do not allow their clients to share info with 3rd parties, which an owner would be.

DSCR's are based primarily off of the DSCR ratio, cash flow, borrower's credit, and leverage.

Do yall have any tips?

A lot of important questions, and you are looking for tips from the internet.  

Example:  My option has a sales price, a monthly option fee credit, a 3-5 year timeline, and add the last year a Owner Finance option to convert to a refinancable note for to complete the acquisition.