I recently filed my taxes and discovered that because my personal income is over 150K per year, I'm not able to deduct a lot of my expenses (which were about 12K in improvements last year).

I ran across this cool program by Sears (Sears Home Warrantly) where they will cover up to 21 items at a monthly rate of $70 bucks and a deductible when you file a claim.

if your debt to income ratio is above 55 back end how did you file your 2020 IRS returns?

As you get more properties, the paperwork required from your end gets more and more intensive so it can be convenient to work with a lender who has it all on file, is familiar with what you're doing, and ready to go for whatever state you're looking to buy in. 

But unfortunately your only recourse if they are now demanding payment in full may be to pay or proactively file suit against them.

I just requested the public bankruptcy filing from the courts to see if I can get any more info. 

Be aware many accountants are not familiar with Firpta laws and conditions, so find somebody who did it before, could be expensive, they charge good amount of money to file that.

Our  attorney seemed to have a plan, but has been putting me off and has been given me promises that he would re-file and make a counter move for half a year now.

Do you prefer to allow subcontractors to pull their permits, or do you prefer to file these yourself?

This is what my attorney said regarding getting a business loan to buy real estate-“You would need to have an operating agreement and business plan with rent projections.The filing fee is $99 with the state.