sell those units and work your way up.Do not count on anything happening, good or bad. 

Pits can be absolutely lovely dogs. https://chicagoinjurycenter.com/common-breedsand one of my chihuahuas bites like crazy and I mean I lost count how many times he bit me .. and nipped at kids.. he is mean. 

You didn't lose 200k, the seller did, and they would be entitled to count it as losses.Someone correct me if I'm wrong but I doubt it.

However, when I eventually go to acquire a loan for the rental property purchase in the next year or so, wouldn't the full mortgage payment on paper count against me (debt to income ratio..?)?

I kinda did my first deal. i bought my first house and plan to rent it out at a later time, but i dont really count it yet cause i live in it lol.

Your rental income will count, at least after 1-2 years depending on the mortgage source.

Additionally we are likely on the brink of a market shift and selling would likely be prudent just in case.As for retiring in 6 years unless you have a sizable employment pension and significant investments (1M minimum) I would not count on it.

Is it an option to transfer the title of our primary residence to my husbands name so they wont "count" that mortgage against me?

With that said, if I did  a hard money loan or seller financing or private lender and wanted to refinance in two years could I get a regular loan with 10% down or does the equity of what update we did count for the 25% that is needed?

I have read many of the BP books and I am excitedly counting down the days until "Raising Private Capital" by Matt Faircloth is delivered, so I can read that one as well.