I think you're mis-understanding questions like the "percentage of time used for business" and the "percentage of personal use".
See if the below helps you to understand. It's written for someone converting personal to rental, but it should help clear things up for you so you enter the correct figures and make the correct selections for converting from rental to personal. The fact you did a refi should not change anything, and you shouldn't have to do any math on your own. The program should do all of it for you, based on your figures.
Rental Property Dates & Numbers That Matter.
Date of Conversion
- If this was your primary residence before, then this date is
the day AFTER you moved out. If it was a rental before, then it's one day after the last renter moved out.
In Service Date - This is the date a renter "could" have moved
in. Usually, this date is the day you put the FOR RENT sign in the front yard. Doesn't apply if coverting to personal use.
Number of days Rented - the day count for this starts from the first day
a renter "could" have moved in. That should be your "in
service" date if you were asked for that. vacant periods between renters
count also PROVIDED you did not live in the house for one single day during
said period of vacancy. If converting to personal use, the "days rented" count starts on Jan 1 of the tax year.
Days of Personal Use - This number will be a big fat ZERO. Read
the screen. It's asking for the number of days you lived in the property AFTER
you converted it to a rental. I seriously doubt (though it is possible) that
you lived in the house (or space, if renting a part of your home) as your
primary residence or 2nd home, after you converted it to a rental.
Business Use Percentage. 100%. I'll put that in words so there's no
doubt I didn't make a typo here. One Hundred Percent. After you
converted this property or space to rental use, it was one hundred percent
business use. What you used it for prior to the date of conversion to rental, or after the date of conversion to personal use, doesn't
count.
