It might help others in case you are wasting your time on same situation.
If you have multiple 1098 and have rent income then read below, I missed to read that link and here's what it says:
What if I have multiple 1098s related to a refinance done in 2020?
Hold up! Follow these instructions if you refinanced last year and your new loan amount is $375,000 or more ($250,000 if Married Filing Separately).
If you refinanced last year, you will have a 1098 from your previous lender and one from the lender you refinanced with. You'll need both forms to enter the details for this screen.
1. Gather all of your 1098 forms related to your refinance, e.g. the form from your original lender and the form from your new lender.
2. Grab a calculator and add the Mortgage Interest Received (Box 1) amount from each form and enter the total in TurboTax as Box 1 Mortgage interest.
3. Add the box 5 Mortgage Insurance Premium from each form and enter the total as Box 5 Mortgage insurance premiums. (If you weren't required to pay mortgage insurance premiums, these boxes will be blank on your forms and you won't enter anything here.)
4. Add the property tax paid from each form and enter it here next to Property (real estate) taxes paid.
5. Enter the remaining items from the 1098 loan that was paid off in 2020 for the Outstanding Mortgage Principal (Box 2), Mortgage Origination Date (Box 3), and the checkbox on box 7 (address of property securing the mortgage)
It's uncommon but you could have additional 1098 forms, for example, you refinanced multiple times or your loan was sold by your lender. If you do, follow the same steps but be sure to include info from all of your forms in your calculations for steps 2-4.
Once you're done here, hold on to your forms for when we ask about any points you paid when you refinanced. Points are a fee you pay to reduce your loan's interest rate. If you paid points, you'll see an amount in box 6 of the 1098 for your refinance.
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The instruction is bit confusing to me esp. step 5 but I went ahead used that information as stated from the loan from beginning of the year.
And when this step is followed, Turbotax does not mess up Schedule A line 8a changing the deduction from itemized to standard deduction.
