So, I got help from another TurboTax person.
but, for others, here was the resolution:
when answering the questions in the “rental and royalties” section, there was one question I answered wrong that had a butterfly effect and threw off the whole thing.
along the way, they ask what percentage you used the rental property for business in 2021. Since I sold it at end of July, I put 58% there. Since that was 58% of the year. That was the mistake. It hosed everything. The answer in my case needed to be 100%. As in 100% of the time I actually owned it in 2021, it was used for business.
once that was fixed, the expected gain numbers all lined up with what TurboTax was saying.
