1) 50% rule is a well accepted generic approximation 2) hundreds of underwriting has shown it to be fairly close for my underwriting for a SFR purchase in San Diego.  

I know Plymouth extremely well.

My accountant was lazy, not well informed and provided bad advice.

If this is a one-off issue and they generally handle things well, maybe give them a chance to make it right.

Will that be paid up by then as well?

It's crucial to consult with a tax professional who understands the nuances of your situation to determine the most appropriate and cost-effective method for your tax filings.

They just seem to be trying to add too much now and not doing the basics well.  

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Well you'd actually be netting more in the long run by doing so compared to putting it towards the home. 

👇👇👇 We see people breaking the rules all the time and here on BP as well.