As you say, those situations DON'T apply to you. I understand and applaud your concern for truthfulness.
I am not a programmer, I'm a tax professional and I am here to give tax advice and help people get through any snags within the software.
You have the option of deleting the 1098's and re-entering them. When you get to the screen about adjusting the interest, don't enter zero, enter the amount of interest allowed. OR you can enter Yes and you will get to a screen where you can adjust the interest to the full amount allowed.
Please be assured that your "Yes" answer would not be entered on any tax documents, it is only for the TurboTax worksheets. It is a "Work-around" to get the right number on your return.
The tax laws concerning Home Mortgage Interest changed with the Tax Cuts and Jobs Act starting with tax year 2018. Because of this, the 1098 does not provide all the information needed to determine if the interest needs to be limited. Additionally, the reporting instructions for the 1098 change in 2018 and then again in 2019 and not all lenders adapted. I have played with the TurboTax program and would re-word that screen if it were up to me to say "We're not sure if your interest should be limited" but it isn't up to me.
IF the lender reported the 1098 properly, AND you answer all the interview questions correctly, the program should compute the interest properly.
If not, answering "Yes" will get you where you need to be in the program and will not alter any tax forms.
I hope this helps, and thank you for using TurboTax.
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