I think your #2 fits. You get 1 free state PROGRAM download. That would probably be for your VA. It can do all returns for that state. So you would need to buy NY, NJ & PA state programs at $45 each. Each state program can do multiple returns for that state.
You can install the Desktop program on 5 computers you own. It can do unlimited returns but only efile 5 federal. More than 5 you can print and mail. Each state return (including the first one) is $25 to efile or you can print and mail state for free. Oh, but NY is free to efile.
Did I cover everything?
