I’m not sure how to prevent the accumulation of Personal Days with a midnight to midnight definition of day. 

Technically, you can take the depreciation still (as long as the property isn't placed in service and sold within the same calendar year - that would prevent depreciation from being taken).

This ensures that these obligations are met consistently, preventing issues like tax liens or lapses in insurance coverage, which could jeopardize the property or your interest in it.

Preventative maintenance saves thousands over time.

So far, 99% of time I see people who have difficult times with tenants, it could have been prevented during the screening process.

Firstly, it can prevent potential issues and complaints down the line.

.  Also, if you can only afford a condo, if there is a natural disaster or any other construction needs, the condo association can keep your units under construction during your entire high season preventing you from renting.

I skimmed the document — like I had a dozen times before — and signed it without catching the change.As a result, instead of bringing the listings back in-house like we had planned, I accidentally extended the agreement another six months.I didn’t slow down.I didn’t read carefully.I signed something I shouldn’t have.It was a painful (and expensive) reminder: gotta stay sharp even when something feels routine.Familiarity can lead to missed details.And its usually the small stuff that turns into the big stuff.Always double-check.Always slow down.Especially when it feels “automatic.”Lesson learned.The good thing is that this $25K mistake today will prevent a $250K or $2.5M mistake later.

If we stay at the property and do substantial work each day (I believe that is the term), does that prevent any personal use or vacation use in IRS eyes?

I’m concerned that, despite having the funds and support system in place, my recent credit hit may prevent lenders from backing my projects.