Assumptions: 1) I have lived in side A for more than 14 days or 10% of the days it has been rented out (whichever is greater) allowing me to treat side A as a primary residence for the full year.2) Total personal debt service is under the new TCJA limits of $750,000, no partial limitation to new refinanced amount.Research and background:IRS publication 936 alludes to cash used as part of refinance towards a secondary home purchased under a refinance of the primary residence counts towards the mortgage interest deduction on schedule A.

Same thing happens to us we pick the bank posting deposit date, we are on “cash” basis vs “accrual” and most importantly be consistent on whichever way you choose.

I also use my cell phone if in the rare instance the camera dies.

If they did they would know that you can take up to 50k or 50% of your Solo401k balance (whichever is less) as a 5 year loan at prime plus 1% so you would not have to worry about justifying how it is used. 

My lease offers an Early Termination Fee (ETF) something like cell phone contracts.

If Landlord deposits the money in an interest-bearing account, Landlord must pay Tenant interest of at least 75% of the annualized average interest paid by the bank or 5% per year simple interest, whichever Landlord chooses.

Around here if you got with bank financing they will give you a loan based off of the cost to build or appraised value, whichever is LESS.

You can take out a loan for $50k or 1/2 the value of your account, whichever is less.

Do whichever option lets you sleep better tonight.

If you do that enough they’ll probably give you their cell phone number.