Are you saying that as per rules, the debt which gets paid off first is the debt allocated to the rental?
Again, I don't fully understand the rules. But as I see it, nothing gets "paid off first". You are allocating a percentage to the rental every year. But that percentage will change every year based on factors such as outstanding loan balance at the beginning of each year, and total interest paid on the loan each year.
I would expect the outstanding balance to decrease with each passing year, and since the amount of each payment allocated to the interest will get lower as the outstanding balance drops, the percentage of interest allocated to each property will also change.
There are others in this forum that are more familiar with this than I am, and I'm hoping they'll see this thread and jump in. I'm not sure, but I think @Rick19744 is better versed in the math than I am.
