Investors & landlords

My husband and I file MFJ each year.  However, this year we'd like to file MFS to take advantage of my medical expenses for surgeries in the year.  Also, we started a rental property this year.  The house is under both of our names but the bank account used for transactions is only under my name, therefore the 1099K only has my name listed.   If we do MFS, do we split the rental activity 50/50 for 2021 or keep it all under my return?  For 2022 when we switch back to MFJ, do we just combine the passive activity loss carryforward onto the joint return?  We plan to file MFJ in the future, just trying see if its worth it since I had a lot of medical expenses. 

Thanks for your help!