NVM, I figured at least part of it out through trial and looking how TT responded.. and posted a direct question about the other.
The answer I figured out:
When allocating part of the sales price to the improvements, seems like entering in the full price of the improvement yields the most reasonable result in TT. Then it considers the prior and current depreciation as the gain on it.
When it comes to loan points, they are amortized, and there is a place to indicate it is a non-Section 1245 intangible, but I'm not clear if points on a loan are section 1245 or not, so am posting separately about that.
