[monocle]

Where did you get your figures from? Her mortage is $100000 at about 5.25% so the interest portion of her payment is a little above $5000 per year or somewhat above $400 per month.

BTW How did you ascertain her marginal tax rate.

I reiterate time to stop digging.

[silverleaf]

her mortgage balance is $100K - we do not know her original mortgage amount or payment

all my examples were- as I stated and so state again- hypothetical