OK, that was my mistake to put too many "personal use days" where those days included fix-up days
Looking at https://www.kiplinger.com/article/taxes/t010-c000-s002-5-irs-rules-for-renting-out-your-vacation-hom...
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5. If you limit your personal use to 14 days or 10% of the time the vacation home is rented, it is considered a business. You can deduct expenses and, depending on your income, you may be able to deduct up to $25,000 in losses each year. That's why many vacation homeowners hold down leisure use and spend lots of time "maintaining" the property; fix-up days don't count as personal use.
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