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@abctax55 wrote:

Yep... same issues here, Rick.

I'll add "settlement/closing/HUD statement" to the mix. No matter how many different ways I ask & emphasize that I need it if you had real estate activity too many *forget*.  Young & old, doesn't matter.  

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Yeah, that one is already on my organizer questionnaire.  "Did you buy, sell or refinance any real estate?  If so, please include the settlement statement/closing disclosure."  I get them maybe 50% of the time. <shrug>  At least there are usually plenty of breadcrumbs.  1098 reporting has gotten much better over the years.  I still see the missing "middle man" half the time.  I have the old bank 1098.  I have the current MegaBank 1098.  I see from closing that you paid somebody else for a month and a half before they sold you off to MegaBank, where is that 1098?  I create amortization schedules for most client mortgages and I keep spreadsheets for refinances to track excess interest so I have an idea of what to expect and I've gotten pretty good at being able to back into a single missing number.

It should be interesting if/when home equity interest comes back (I guess you still have to track it for CA purposes, right?)  Between that and whatever they do with the SALT cap we may get to have fun with AMT again (but maybe PTET gets around that?  I haven't looked into it.)