You're probably not going to change their mind unless you reduce rent and that is a suckers move. 

Right now we just have a separate personal account that houses our rental income and expenses.

Are non refundable pet deposit taxable income for my rental properties?

I received an insurance pay out and lost rental income through September 2023, which has since ended. 

When you look at average income vs. purchase price, the current market is unsustainable.

This property then to a lender looks to be negative $750 a month against your DTI.So really your DTI plays in based on what price point of property you are buying against your incomes and debts.

Because non-passive losses can offset non-passive income/ active income.

But her name is not on the properties.As I understand, we don't get any advantage in the real estate losses against my W2 income.

Passive income streams require an upfront investment and a lot of nurturing in the beginning. 

There actually is this weird scenario, just past goldilocks, and closer to Alice in Wonderland, where the economy keeps chugging along…. slowly, household incomes crawl ahead, corporate earnings play duck duck goose, unemployment (usually) rises and inflation stagnates.