Loss of rents is very common some may self insure. 

We've also mitigated losses with a security deposit.- No Reviews: As hosts we can filter out potential harmful guests using reviews.

Losses due to wind, hail and other forms of disaster are becoming more and more frequent.

Our only concern is with the stability of the market, what happens if the rents reset in the area and the property no longer cash flows due to affordability in the 2 year time frame of us buying and then getting ready to move out would we just try and hold through that and even pay at a loss for a bit or do you pivot and sale?

In NY, renters pay the realtor fee so it's a no loss for the landlord.

Last year I couldn't do it because I was told that since I reported a loss in my business and i was in negative numbers there was no way that i could get a loan like this one. 

I calculated the numbers assuming 1, 2, 3 and 4% annual rent increase.At 1% increase in rent, it takes me ~15 years to be cashflow positive annuallyAt 2%, it takes ~8 yearsAt 3% 5-6 yearsThis assumes 0% vacancy.If I look at cumulative cash flow i.e. net gains (loss) from (income - expenses) projected over all years of ownership, those numbers are worse.

I don't pay for tools, supplies (of the trade), food or drinks... 

In 2023, I did 18 transactions(Top 500 of ~15,000 agents), and manage 13 rental properties for other individuals.As an Individual, I also own 5 additional rental properties that I also self manage.The reason I would like REPS is because Ive got about 200k in passive losses(100k just in 2023 as I fully remodeled one of the rentals and partial reno of another) I would like to apply towards our household W2 income(600k) Overall, I feel like I could definitely qualify but I definitely lack detailed time log of all activities.

Is there any hope for me to ever recoup my loss?