Right now, that deduction is capped at 10k. That makes getting over the standard deduction tough. Take a look at example 6 here: www.journalofaccountancy.com/issues/2023/... Unfortunately everything is in a "you lose" situation around this.

The home mortgage interest deduction under the TCJA

How does the Tax Cuts and Jobs Act’s temporarily lower home acquisition indebtedness limit affect homeownership decisions?

Thanks for the info. I'll definitely have to see where the numbers come out.