I was in a very similar situation to yours, OP.

It may sound like I advocate OP to FSBO but I do not unless he has good understanding of marketing and pays to place on MLS (there are RE brokers that will place on MLS for a fixed cost).  

Bump for OP

But, I think the OP is looking for something different.

I only shared my personal experience for the benefit of the OP and possibly others as testimony that in fact loans are called for non-compliance with occupancy clause.

Somehow prices are increasing in many of these areas, but if J Scott and the OP were correct this wouldn't be possible.

To answer the OP, the personal days are used to reduce the deductions you are claiming, as you shouldn't get the benefit of using business property for personal use and get the tax deduction as a business expense.

S T O P .

That is the one you put away each month for the eventual replacement of your roof and water heater.at $116900, here is how I see your expenses:Mortgage Rate 5.00%Length of Mortgage in years 30 (extend this to 30 years)Monthly Mortgage payment $470.66Taxes $215.00Sewer and Water $-Trash $-Heat/Utilities $-HOA $-Cap Ex and Ops $150.00Insurance $100.00Mgmt Fee $160.00Vacancy $128.00Total Expenses $1,223.66

They are nonprofit co-ops that were formed to provide land and operating loans for agriculture.