@krave13 wrote:
Isn't it almost for certain there will be questions then? I'm providing a document that doesn't have my name on it and making a claim against it...
Will I just have to sit on pins and needles every year waiting to see if I get a letter from the IRS or is there some way to head that off by clarifying ahead of time?
There's no way to know whether the IRS will pick you for verification. The good news (or at least calming news) is that most of the time, the IRS will send a letter asking for additional documents, and when you respond with your documents and a letter, the matter is closed. Actual audits are extremely rare.
There are a couple of things that will always trigger a letter from the IRS, like forgetting to include a W-2 or 1099-MISC for income. Having a mortgage where you are not the first-named borrower is not one of the things guaranteed to trigger a letter, and we can't really suggest what percentage of the time the IRS might ask for more proof. Sorry.
