To fix the government killed lending with the Dodd-Frank legislation that kept changing the rules on lenders so no one could get mortgages.Today, banks and the government are working with people to get through this, not in 2008. 

We have quite a few state legislators who are in the insurance business.

That is one degree of separation farther from the 'greedy landlords' they think they are legislating against.  

. :) Legislators pass laws, bureaucrats and political appointees interpret them and post regs.

One flat has 48 qm or 516 sqft The idea to make 4 room appartments out of the seperate 2 is quite good.I want to rent the property out to another core market in which I can get higher rent.I know that I have no possibility to get them movin on the legislation side of things.

Legislation is the only thing that will save you if you don't have adequate reserves so your state and federal reps are going to be the place to start but keep in mind they are likely flooded with calls at the moment. 

And made some effort to attract the attention of your legislative leaders.I would caution you to not mistake lack of outrage for apathy or uncaring.

Legislation to create a new version, which would contribute up to $15,000 towards the down payment for first time home buyers, was introduced in 2021.

Swapping out air filters, checking fire extinguishers and smoke detectors, getting systems ready for winter/summer, checking water softener, replacing water filters, etc...If you're out of state then the travel may be deductible if it's primarily for business.If your properties are in Denver then you'll need to get them inspected this year or next as part of the new rental legislation. 

Lots of county wide legislation already in California and it seems like there is more to come.