Can my camper trailer be considered a mobile home for tax deductions in 2025?

What if the camper is my only residence but I move it between different locations for work? Does that affect anything? Also, does it matter if the loan I got was an "RV loan" from my credit union rather than a mortgage?

If the camper is your only residence, that strengthens your case for claiming it as a primary residence, even if you move it between locations. The mobility doesn't disqualify it as long as you're genuinely using it as your primary home. Regarding the loan type, what matters to the IRS is not what the lender called it, but whether the loan is secured by the qualified residence (your camper in this case). If your credit union loan is secured by the camper itself, it may qualify for the interest deduction, regardless of whether they called it an "RV loan" or something else.

Does this service actually connect you with a real accountant? Or is it just some algorithm giving generic advice? I'm skeptical about trusting AI with something as important as tax deductions.

How did it handle the fact that you moved around to different locations? I'm in 3-4 different spots throughout the year depending on projects.

It doesn't connect you with an accountant directly, but it's way more than generic advice. It actually analyzes your specific documents and gives personalized guidance based on your situation. The recommendations are based on real tax code and they cite the specific IRS sections that apply to your case. For the multiple locations, that's actually where it was super helpful. I uploaded my receipts from different RV parks and it tracked everything, helping me document that I maintained the trailer as my primary residence despite moving for work. It created a complete location history that showed these were temporary work locations, which strengthened my case for certain deductions.

Wait, so this service somehow gets the IRS to call you back? How's that even possible when I've been trying for weeks to talk to someone?

Sounds like a scam tbh. Nobody can make the IRS do anything, especially during tax season when they're swamped. Did you actually get real information or just generic stuff you could find online?

The service basically navigates the IRS phone system for you and secures a callback spot. It's not making the IRS do anything special - it's just using their existing callback feature but doing the waiting part for you. I got specific information about my situation - the IRS rep walked through the requirements for claiming my camper as a qualified residence and explained exactly what documentation I need to keep. She even pointed me to the specific IRS publication that covers mobile residences. Definitely not generic stuff I could easily find online.

That's interesting! My work is construction management, so I do spend a few hours each evening at the dinette area doing paperwork, scheduling, and responding to emails. But that space is also where I eat dinner... does that disqualify it since it's not exclusively for business?

Unfortunately, that would disqualify it for the home office deduction. The IRS is pretty strict about the "exclusive use" requirement - if you're eating meals at the same table where you do work, it doesn't meet the test. If you could somehow create a dedicated work-only space within your camper, even if it's small, that could potentially qualify. But I understand space is limited in a 28-foot trailer. Some people install a small desk area that's never used for anything but work, but it needs to be clearly separate from your living space.

State taxation when you're mobile can get complicated. Generally, you'll file as a resident in your "domicile" state (where you have your driver's license, register to vote, register your vehicle, etc.) and may need to file non-resident returns in states where you worked temporarily. Some states have reciprocity agreements so you don't get double-taxed. Each state has different thresholds for when you need to file a non-resident return based on income earned or time spent there.

Isn't that risky though? I heard mixing personal and business use can raise red flags with the IRS, especially with vehicles/campers.

It's not risky if you document everything properly! I keep a detailed log of business vs personal use with dates, locations, and purposes. You're right that it's an area the IRS looks at, but with good records, it's completely legitimate. The key is being honest about the percentage of business use and having documentation to back it up. I only claim 60% because that's genuinely how much I use it for my photography business. The remaining 40% is personal use, and I don't try to deduct expenses related to that portion.