Basically, the big lending companies like rocket and quicken have pushed the home buyer away from local banks and that in part changed the market.

The entity doesn't change the nature of the income to you. 

Each of these things can be worked on and in a few months of consistent and persistent action, you can see a gradual change in your situation.Don't let current circumstances paralyze you.As far action steps:- Research and strongly consider the househacking strategy.

Just ensure you keep track of when the property use changes.

Both Keycheck and Avail.co also keep a copy of the lease and let you iterate it as you think of things that need changing.

Annual HVAC Cleaning: Done yearly, usually the owner's cost, though tenants should be responsible for changing the filters.

NEVER CHANGED.

for example when changing cabinets, addressing trim, door pulls. hot water tank replacement: place a pan under it.  

Bankruptcy due to poor money management is indicative of a behavioral issue that does not change over time.

It takes a lot of training and continuous study to stay on top of tax law, especially with all the changes in real estate tax rules.