I think the combining advice is correct. Here's why:
If you examine the completed tax forms (Sidebar->Tools -> Print Center), with or without IRS schedules, it doesn't actually reference the 1098s anywhere. It only cares about the interest reported on your 1098s. In fact, you won't even find your lender's name anywhere on the returns or on the *government* worksheets, nor the loan origination date (this information is likely only relevant to interpret the laws and supporting docs in an audit).
Instead, I just entered the property street address as the lender, as the numbers/data I'm entering are correct for the given property address, in fact this is more helpful as your'll need to carry forward your *true* first loan origination date if the loan was for more than 750k.
In other words, the tax return itself is fine doing it this way (everything is accurate), you are just choosing to using the worksheet in a way which makes the math come out correctly as TurboTax suggests.
Good luck!
