Investors & landlords

@Carl , I appreciate your advice and time. I included a screen shot for clarity as I am unable to follow your advice. It is not consistent with the scenario in Turbo Tax SE Online. I also appreciate your concern for new users. I have been using TurboTax online since 2013 (as I found the desktop version more cumbersome) and have had rental property since 2014-just not this scenario. Unfortunately, I am still working to understand some of its nuances of  the program as new scenarios arise. 

To locate the screen in question one can follow these headers: Income and Expenses: Rental Properties and Royalties (Sch E): choose the specific rental property: Expenses/Assets (Depreciation) : Mortgage insurance or Mortgage interest:

Loan 1 carried the USDA mortgage insurance and was a primary residence only. Loan 2 was a primary residence part of the time in 2020. Since I cannot designate which loan carried the USDA insurance or how many days it was in service as a rental, do I:

- select yes for both houses since TurboTax will allocate your personal portion of qualified interest over to the deduction section for me? (Even though most of the interest of loan 2 was for days it was in service as a rental and loan 1 carried 0 rental service days.)

- hold from including the USDA insurance here and only include it in the personal section?

Thank you for your extensive help.