Until you have to do a major repair like a roof.  

Yep- it'll save you lots of maintenance, repairs and upkeep in the future.

My business could then pay the utilities, property taxes, mortgage interest, insurance policy, and home repairs. 

You can always have an accountant review your return for a lower fee (around $200-$300).Biggest thing: Make sure you’re tracking all deductions (mortgage interest, depreciation, repairs, etc.).

As you already know, anything under $65k will likely require a heavier lift in terms of repairs, but that’s where you can create the most value.

You know where the holes are, so if you don't like how they were patched, then charge them for the repairs and get someone to fix it.

We have elected not to count any repairs or costs during 2022-2023 due to to it not being rented at all, not even calling it a second home.    

Yet as the owner, I am still covering the cost of any maintenance and repairs, so who does this really benefit?

What is your draw fee & benchmarks for the repairs portion of the borrowed money?

Living/Dining Room:Demo & Prep ($1,000):DIY carpet removal and ceiling work.Professional for electrical work.Flooring ($2,250):LVP or good-quality laminate.Paint & Trim ($500):DIY painting.New trim.Lighting ($1,000):Update existing fixtures.Drywall/Plaster Repair ($300):Patch holes and make repairs.Window Treatments ($500):Blinds.3.