Thanks for the pointers! I read though the calculations on Page 12 and am a bit confused still. I think the relevant part is:
"Statements provided by your lender. If you receive monthly statements showing the closing
balance or the average balance for the month, you can use either to figure your average balance for the year. You can treat the balance as zero for any month the mortgage wasn't secured by your qualified home.
For each mortgage, figure your average balance by adding your monthly closing or average balances and dividing that total by the number of months the home secured by that mortgage was a qualified home during the year."
I don't totally follow what this means. How should I interpret the above in the context of months where I didn't have a mortgage?
