The IRS generally does not allow switching back and forth between aggregated and non-aggregated status year to year.

does that mean they are getting the debt non recourse and you bring equity ?

Which directly ties into the liability of non-permitted and uninsurable properties built in trees by unlicensed builders. 

Bruce LynnIt's better if I don't say it in public.

I’ve heard from many (non-experts) that I’d need to stay for at least 5-7 years to avoid taking a significant financial hit, but that feels like a waking nightmare given how much this issue affects me.Financially, renting it out isn’t an easy solution either.

I've worked with this lender several times before, but always on single family new construction.I'm building 2 town homes under a single roof, on a single parcel of land. 

Get Pre-Approval from Hard Money Lender.2.

I’m assuming this varies from lender to lender?

Have you leveraged lines of credit, private lenders, portfolio loans, or other creative financing options?

That means there is not really an effect on the debt to income ratio neither positive (income) or negative (loss) but rather simply making that payment  non issue.