In the tax year you convert a property to rental, if you elect to have the program "do the splits" for you between SCH E for the period of time it was classified as a rental, and SCH A for the period of time it was your primary residence or other personal use, the only things the program will split, based on the date in service, are mortgage insurance and proeprty taxes. That's it.
For property insurance, one has to prorate that manually for the SCH E portion, and property insurance is not deductible at all for the period of time it was your residence or other personal use.
For all other expenses, you enter 100% of those expenses incurred ***AFTER*** the property was converted to a rental and "in service". All of those other expenses are 100% deductible if they were incurred **AFTER** the property was converted to a rental.
