The averaging algorithm is wrong for re-fi's. This needs to be fixed.
Using round numbers for example
In 2020
Loan1 Jan-Mar $1M
Loan2 Apr-Dec $1M
At no point was I carrying both loans, so average balance should not exceed $1M\
I can only claim $750k, so factor is 0.75 ($750k/$1M). I can deduct three quarters of my interest
TT's brain dead method assumes I have two loans each with average balance $1M. So TT average balance is $1M+$1M=$2M!
Factor is now $750k/$2M or 0.375. I can deduct a bit more than a third of my interest payments. THIS IS TOTALLY WRONG! TT really needs to fix this
