We did try to enter Form 1098 one at a time given that I have 2 Form 1098. I got more refund if I only entered the Form 1098 from 2020 refinanced loan (no cash-out, loan amount > $750,000) than if I entered my 2 Form 1098 one-by-one (1 Form 1098 from my original loan initiated in 2015 and 1 Form 1098 from my refinanced load in 2020). When I entered 2 Form 1098, the interest deduction is a half of the combined interest I paid on these 2 loans. I don't think the workaround is working for me as I spent more a few hours to try it.
