@bmbecraftI just realized that you said that your two mortgages didn't overlap and then I remembered a note in Pub 936 that says if the sum of all your mortgage balances (not the averages) never exceed the $750K during the year, then you don't have to use Table 1 and all of your interest is deductible. I am sorry I didn't think of this before. The note is on page 10 of Pub 936 under 'Table 1 Instructions'.
I tested it using Turbo Tax 2023 desktop (I don't have the 2024 version yet) and it limited the deduction but allowed me to override the limited value with the full amount.
