Thank you for your response. It helped to answer my first two questions. I didn't pull any cash out in the refi, so that simplifies that, at least.
After more reading on here I've figured out that the problem is that TT is adding all the mortgage values together instead of averaging them. This puts me over the cap and thus limits my deduction. TT needs to find a fix to this problem. A lot of people are having issues with this.
