@jcphil from what I see in IRS Pub 527 page 13, 3rd column at https://www.irs.gov/pub/irs-pdf/p527.pdf#en_US_2020_publink1000219119 section, "Exception for Rental Real Estate Activity with Active Participation" indicates you can take up to $25K if you meet the requirements outlined there. I see nowhere anything indicating it doesn't apply to your setup.
The only thing I see in pub 527 is that if the property is not rented for profit, then not only can you not use losses to offset other income, you also can not carry any losses forward. Basically, you just "lose it" permanently and forever.
