Thank you for the suggestion, but it did not fix the issue. It may have helped but I can't tell with the info they give me.
My guess is that it is still taking the one mortgage balance I held from Jan 1-May1 and but thinking it is for the whole year. Same for the mortgage balance I had on the other property (the one that had the mortgage sold multiple times) Aug-Dec, and using that mortgage amount for 12 months as well. That overestimates my total average mortgage balance for the year and puts me over the 750k. Done correctly my mortgage average for the year would be in the 622k range, well under the cap.
