Another hidden gem, the help link on the points page "Refinance-Loan Points (Multiple 1098s)" says to enter the refinance points as a separate 1098 with the correct loan origination date to calculate the amortization of points. So between splitting the interest from the points and using the original purchase date for the refinanced interest, you basically trick the program into the right answer. Doesn't make me feel good, but it's at least the right deduction.
