@Curt14 wrote:
personal use for only 20 days ... an estimate of 200 days for 2025.
It becomes a "residence" when it is used for personal use of the GREATER of (a) 15 days or (b) more than 10% of the rental days.
If you used it for personal use for 20 days, hypothetically if it was used for 201 rental days, that would be over 10%, making it a "residence" and would use the Vacation Home carryover. With that said, I'm not sure how if the program rounds things, so I'm not sure if 201 rental days would trigger the program to change things or not.
The amount of personal use dictates what KIND of loss carryover is involved ("Vacation Home" loss versus "Passive Loss").
