Help my beagle

Lake Toxaway, NC(Zone 7a)

My sweet beagle is having some kind of skin aggrevation. We check him for fleas and even the vet didn't find one. But he is scrathing constantly and has a couple of raw spots and one bare spot on his back above his hips. I have heard of hot spots (don't know what they are) but can't imagine what else it could be. I can't afford to run to the vet often now that I have lost my job.
Does anyone know what this is and how I can treat it at home? I do have some Aloe butter which I apply and then have to hold him still so it can soak and give some relief. But if he licks it off, he is soon back to scratching. If my husband and I can stop him from licking by holding him, the aloe butter helps for awhile.
I have some eczema cream; do dogs get eczema?

Thumbnail by woodspirit1
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