What is considered a day of personal use?

For a dwelling unit, a day of personal use is any day that the unit has been used by any of the following persons:

1. You or any other person who owns an interest in it.
2. A member of your family or a member of the family of any other person who owns an interest in it. Family includes only your spouse, siblings, half siblings, ancestors (parents, grandparents, etc.), and lineal descendants (children, grandchildren, etc.).
3. Anyone under an arrangement that lets you use some other dwelling unit.
4. Anyone at less than a fair rental price.

Exceptions to the above would include those who use the dwelling unit as their main home and pay a fair rental price or are under a shared equity financing agreement.

It is also considered personal use if you donate the use of the unit to a charitable organization, the organization sells the use of the unit at a fundraising event, and the "purchaser" uses the unit.

Any day that you spend working substantially full time repairing and maintaining (not improving) your property is not counted as a day of personal use. Don't count such a day as a day of personal use even if family members use the property for recreational purposes on the same day.