I have this same exact problem. I refinanced my rental home in 2016 and have costs associated with that. Then I refinanced again in Oct 2021. I never deducted anything or thought of it until doing my 2021 taxes and TT asked me to basically to get rid of the amortized costs from the old loan. I wish I had screen shot what it said but I didnt.
I tried making in an asset to expenses those costs to get the entire deduction but Im not sure where that goes. How do I do that without amortizing them at this point?
