The suggestion to add all the 1098 forms together doesn't work.
My original loan originated prior to December 2017, I refinanced in 2020. A part of my interest qualifies under the $1M limit deduction and the remainder under $750K. By combining all the 1098s together and entering the origination date from the original loan, the $1M limit is applied. I believes this overstates the deduction. If I enter the 1098s separately, TT adds the values together, understating the deduction. My 2018 tax return was flagged for an audit by IRS as a result of TT incorrectly calculating my mortgage interest deduction. I don't want to be in this situation again.
