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Deductions & credits
I understand your concern and feel I may need to be corrected. Pub 936 says nothing against co-owning a second home and only that you may only report the interest you pay up to the allowed limit. In your situation, I agree that you only report half the amounts since you are only deducting the interest for that amount of mortgage. I will edit the original answer.
‎June 4, 2019
7:28 PM