Deductions & credits

In case of multiple Form 1098, it seems to be ideal to follow 'Interest paid divided by interest rate method' as suggested here 

 

https://www.irs.gov/publications/p936#en_US_2019_publink[phone number removed]

https://proconnect.intuit.com/community/individual/help/entering-a-refinance-in-the-excess-mortgage-...

 

Compared to my earlier approach which I mentioned in earlier post, this seems to be more closer.

 

Example of my workings, based on same use case as before:

 

                                       Loan 1          Loan 2                Loan 3             Total

Interest                       20,000             3,000               7,000               30,000

Interest rate                3.50%               6%                 2.50%             

Average Balance      571,429         54,545             280,000            905,974

 

Turbotax is also suggesting in the above link to do 'average balance override'. 

 

Does it mean that overriding 'Average balance' under each loan in "Deductible Home Mortgage Interest Worksheet" of Schedule A, will NOT create any issue for us to e-file?  Has anyone done this way last year without any issues?  I don't want to be stuck during e-filing stage and restart the work.