@Paul Gamber, Your situation is a little gray as you're sensing and @Austin Cheatham laid out. 

I try to click next but its grayed out, does anyone know how to get past this step? 

Passive losses generally can’t offset active or capital gains income unless specific criteria are met.One workaround could be grouping your real estate activities to qualify as a Real Estate Professional (REP), but it sounds like that status is still a gray area for you.

Here in Florida text messages as legal documentation is a gray area.

We are both physicians and relatively intelligent humanoids, but without knowing what you don't know, it seems a difficult task. 

The other side, in the guest bedroom was painted dark gray, and downstairs was left exposed as well for an industrial feel.

Hey @Brittany Gray!

@David CianciYou and @Sean O'Keefe made me create a long answer to your question:https://www.biggerpockets.com/forums/51/topics/1202208-gray-...Also, beware that @Natalie Kolodij's post that was linked on this thread does not really address your question.

Yea there’s a whole block of empty lots on S Dover St in Grays Ferry that someone was able to grab for $1 a lot   

You are moving into a very gray area if you are borrowing money from more than 1 family member and it's not for a specific deal as you should need to file an exemption from the SEC.