Hi, I purchased a rental property in 2023. For buying that rental property, I got a 30-year mortgage from bank. I also paid some mortgage costs such as appraisal fee, points, and origination fee. I understand that these costs can be amortized over the life span of mortgage. However, I plan to refinance in a couple of years. Now my question is that instead of amortizing the mortgage cost over 30 years, can I amortize the mortgage cost over 2 or 3 years since I will reference before the term date of my mortgage?
Note that this mortgage is for a rental property, not for my primary residence.
