I bought a house in 2003, refinanced it in 2009, 2012 and 2018. I converted the property to rental In 2019. Can I amortize the refinance cost other than discount points (all those application fees, appraisal, reporting, underwriting, etc.)? Those costs are amortizable for rental property but are not amortizable for personal property, so I haven't written them off in any way during the period of personal use. Can I add them to the amortization report now, when the property is converted? If so, can I amortize the cost of only the most recent refinance or all prior refinances, including the original purchase? And if not, is there any other way to take advantage of those prior costs, either now or when I sell the property?
