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You would need to withdrawal the funds from the over funded account as well as the earnings.  You will need to get a Return of Excess Contribution form from the custodian of the account.     The earnings (if any) may be subject to a 10% penalty for early withdrawal.  

TurboTax Online unfortunately still doesn't have a way to correctly report short-term rentals as non-passive, so you can't use TurboTax Online  if you have an STR with an average stay under 7 days with material participation.  But you can with the desktop version of TurboTax, but they don't make it easy.  You have to go into the forms mode on the Schedule E worksheet, then check the boxes "G - Other passive exceptions" and "D - Material Participation".     Hopefully someday TurboTax will add a feature to correctly handle short-term rentals that are non-passive (the "STR loophole" or "STR tax strategy").  By the way, you do have to materially participate in the property, which means you have to either spend 100 hours/year on it if no one else spends more time on it than you do, or 500 hours/year if anyone spends more time on it than you do.   The other thing you have to be aware of with TurboTax is that it also doesn't correctly handle depreciation for short-term rentals.   If you have a short-term rental with an average stay of 30 days or less (note that this is a different standard than the 7 day test for it to be non-passive), then you can't use 27.5 year depreciation because it's considered non-residential, instead it must use a 39 year class.  So to handle that correctly in TurboTax, you have to instead choose the option for an "other asset" for the house, and then walk through the steps there to enter 39 years as the depreciation class.    Hopefully eventually TurboTax will correctly handle short-term rentals, but for now it's a bit of a hassle to make it work correctly for STRs.

The section 469 tax code passive activity rules don't apply to this situation, so things like material participation and less than 7 days average stay don't apply at all in this situation because instead 280A of the tax code determines how the tax loss is treated.    The 280A tax code limits the deductions you can take on the property if your personal use of the property is more than 14 days in a year, and your personal use is also more than 10% of the number of days it was rented that year.   This is what is called a "mixed-use" property, which in this case refers to a property that is a mix of personal and rental use where the personal use exceeds those limits above.  This is when the section 469 passive activity loss limits no longer apply, and the 280A tax code limits apply instead.   If your personal use is over that 14 days and also that 10% line, then certain types of expenses are limited only to your amount of rental income.  And TurboTax will, in that case, correctly reduce expenses like depreciation, property taxes, and mortgage interest if your expenses exceed the amount of rental income.      But there are other types of expenses that are considered to be "direct" expenses that don't get reduced based on the amount of personal use.   These would be expenses that have to do with the business of owning the rental and not expenses for the property itself, such as advertising, legal fees, and property management fees.  If you have a significant amount of those types of fees, those actually can still exceed your rental income and you can still end up with a rental loss to report.    What's really interesting is in this situation where you have a "mixed-use" property with a significant amount of personal use, the passive activity losses of section 469 of the tax code no longer apply and section 280A of the tax code applies instead.  And so you can actually have situations where your personal use of the property allows expenses to offset your other income that normally would be limited by the passive activity rules.  It sounds like that may be happening in your situation.

You can't resolve the excess prior to the tax return due date without the custodian's help. your action generates a 1099-R and will be a problem  if you do it yourself.   Did you submit the "remove excess plus earnings" request to custodian?   @paulahufford1 

Have you completed the Hawaii state interview? There are many questions that allow you to zero out income from sources outside Hawaii.   Also, be sure you have checked the box under Enter Your Hawaii Business ID# to indicate that your non-resident businesses did not operate in Hawaii. Then enter zero for Hawaii Gross Receipts.   If you answer these questions correctly, you should see a loss on Line 16 of your Hawaii N-15.

No you need to wait.  If  it is Rejected you can fix it and resend it.  If it gets Accepted you should not amend or change your return until you get the refund from the original return or your payment has cleared.   How to Amend the current year https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-return/amend-federal-tax-return-current-year/L7eS6o1qh_US_en_US?uid=lfunevhk

Once a tax return has been filed it cannot be changed, canceled or retrieved You will have to wait for the IRS to either Accept or Reject your filed federal tax return. If the return is rejected you can make the necessary changes and e-file again. If the return is accepted you will have to amend your original tax return. An amended return, Form 1040-X, can only be printed and mailed to the IRS if the original tax return was not e-filed. The IRS will take up to 12 weeks or longer to process an amended tax return. Before starting to amend the tax return, wait for the tax refund to be received or the taxes due to be paid and processed by the IRS. See this TurboTax support FAQ for amending a current year tax return - https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-return/amend-federal-tax-return-current-year/L7eS6o1qh_US_en_US?uid=lfunevhk

TurboTax for 2025 calculates the SALT deduction correctly. What exactly is "it" that says "Standard Deduction or $10,000 Max"? Is "it" a screen in TurboTax, a help window, an FAQ, a tax form in a PDF? Where exactly is "it" in TurboTax? What is the title or heading on the screen? If it's a form, what form and what line on the form? Can you post a screen shot or a link?   Is the wording exactly what you posted: "Standard Deduction or $10,000 Max"? It's not clear why the standard deduction would be mentioned in relation to the SALT limit. They are not related. There may be some text somewhere in TurboTax that was not updated to reflect the change in the SALT limit, but the calculations are correct.