I have exactly the same question and luckily found this thread and wondering if you have resolved the puzzle. I have done two refinance in year 2020. After reading the recommendation at https://ttlc.intuit.com/community/loans/help/what-do-i-do-if-i-have-multiple-1098s-from-refinancing-..., I added up those interests directly. The interest I paid for year 2019 was 19k and for year 2020 was 27k; the property tax I paid for year 2019 was 12k and for year 2020 was 14k. That implies I paid 10k more for year 2020 comparing to year 2019. Turbotax recommended itemized deduction for year 2019 but this year it recommends standard deduction for 2020. I still have no idea what's going on.
