Real Estate Professional Status and Bonus Depreciation

[David Pike]

I am a real estate professional (claimed status in 2020) and my wife is a high income earner. I am buying a 3 unit and we are both on the loan and both on the title. The plan is to claim bonus depreciation to offset her W2 income but can I still do that if her name is on the title? Wouldn't that mean that half the income (in reality, it will be a loss due to bonus depreciation) is attributable to her? And since real estate is passive for her, that wouldn't offset her W2 income.

P.S. The lender won't allow me to close as an LLC or without her on the title.