@Levi ThorntonThanks I am still awaiting a response from the lawyer

Also read the fine print so you understand coverages and deductibles.

This is in an effort to ensure they can collect as much as possible without dealing with silly things like deductions etc.

You should also remember, if the building is your primary residence, than your input expenses {i.e. renovation costs} are not deductible from the proceeds of the sale ... this might very well negate any taxation benefit.

Is the mortgage interest tax deductible?

Keeping money to the end of the year won't have any more tax drawbacks, any income you can not deduct, towards expenses, would be taxed. one way to not owe the tax at the end of the year is if you sell a property and do a 1031 exchange ( like kind exchange ).

I am looking at replacing the windows and siding on one of my rentals and was wondering if I would be able to take a deduction or I'd have to depreciate them?

But, trips here to work on our property are tax deductible and it's nice to have a "home base" since we enjoy coming here.

Not sure if they are deducting their 20% fee.  

It’s extremely important in any business to ensure you are maximizing your tax deductions.