@RJNieglos20 - there is a bug in TT on how this is to be calculated - - there are many thread on this.
suggestion as you are under $750,000 in mortgage balance in any event.
The IRS actually defines the average as the interest for the year divided by THAT mortgages' interest rate.
I would do that caculation for each of the 3 mortgages, then add the results together.
Then enter ONE 1098, using THAT average for the mortgage balance and using the name of the LAST mortgage servicer.
Note that if the result of your math exceeds 548,281.37, the percent over this number would represent the part of the interest that is not tax-deductible because it is cash out (unless you used the money to improve your home)
Keep your documents on how you calculated this in the freak event you get audited.
Given you are so far under $750,000, expect for the small issue of the cash out, all the interest would be tax deductible.
