It depends. The section 179 election determines how you will treat the depreciation of the car. Your car expenses like maintenance and interest are not part of the election.
So, if your mortgage lender considers an add-back for depreciation expense when evaluating your income, then the section 179 election for depreciating the car placed in service in 2022 (or 2023 if you're looking ahead) will give you the best scenario. The maintenance and interest payments will reduce your income and would not be in consideration for an add-back because they are normal operating expenses.
@Juako
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