Thank you very much @xmasbaby0 for your quick response. I bought the house for my daughter & grandchildren to live in late 2018, so yes condition has existed since then but didn't really see a discrepancy in my taxes until 2021 filing last year, when standard deduction went up dramatically & exceeded Schedule A itemized deductions I had always filed before then. I had a large income fluctuation in 2021 & had to make a bulk IRA contribution to avoid owing taxes, so I attributed the discrepancy to that. The income fluctuation did not re-occur in 2022 but the apparent shortfall in tax withholding did, which prompted me to dig deeper. Once I realized what the cause was I felt I was answering "lived with you" question incorrectly as you advised, however I have not been able to find a specific example like my situation among the many listed in IRS Pub 501, so was not sure. I will re-examine tax filings back to 2019 to determine impact & file amended returns if appropriate. Thank you!
