As you mentioned, you can take losses from stocks, but your capital losses can only exceed your capital gains by $3,000.

^^ not a way to get around the net income for your rental, but as mentioned DTI restrictions are different from lender to lender so you might find more leeway looking into that. 

Wait until she moves, do a thorough walk through.

I am currently ending the co-ownership because my dad seriously screwed me over & I have no idea if it'll end with me getting half the fair market value now or waiting until my parents die before I assume it. 

While I understand your concern, repeated reminders can feel a bit pressing and unnecessary. we have to track the source of leak source first.fix the source of leak if is coming from our aparement wait sometime to make sure there is no more leak and repair the ceiling

.: @Jonathan ChanYour other post mentioned about your mom's SIDRA doing lending. 

Craig, are the properties you mentioned on the market?

If the seller says "its a solid 7 cap" and its more of a 5-6 cap after you purchase and the taxes go up, do you mention it?

At the very worst case, as Alanna mentioned you could convert it to a LTR.

I did all the options mentioned above to buy properties with $0 or little money out of pocket.