Even at a 200k household income I’m being told by family we will never get approved for a 500k home with that debt from rentals even if they’re cash flowing nicely.

My household income exceeds a MAGI of $150k. 

I see that number thrown around a lot, probably by a lot of folks making less than $50K/year household income. 

There was no empathy for the challenges those households were facing.

I didn't take any depreciation, I did a bit of improvements to the rental half of my 2 family, and I need to change head of household status and dependants.

I've developed, use with all my coliving properties, and teach HPM (household-led property management).

My household income allows me to save $20k post tax dollars a year and ~40k pretax dollars per year for allocation to real estate rather than stocks/bonds & speculative instruments. 

I don’t have high risk peeps in my household.

If you have a net loss on your residential rental activity and actively participate in the rental management, then you can use up to $25K per year in net rental losses to offset your other ordinary income (that is income from your W2 job) provided your total household income is less than $150K per year.  

I transfer only household survival $ to my personal account(s).