Unfortunately TurboTax online can't solve it. The right way to do it is to use the average acquisition method which is interest paid over the interest rate - as explained in the publication page 13. TurboTax online does not recognize this method and assumes it was owned longer. I've spoke to a couple of the experts and their only recommendation was to purchase the desktop version and manually override the acquisition value. I'm researching other software which is a bummer since I've been using them for years
