1.又到报税季节，略估抵税资料，有一疑问。即现有Mortgage interest + property tax 共$9000左右， 是否就不能有资格抵税（低于$11000）？而且每年利息的减少，更不能抵税？
Answer: They are deductible. Property tax could be deductible, even you are standard deduction.
2,还有10万左右loan,每年有5-6千的利息（5.875%），是否PAYOFF 较好？若买房投资收租金，也难有5%-6% 的纯回报？
It could be based on individual decistion.more advising from financial advisor.
3，看了一下贷款银行的payoff的project，月底付完我的principal balance，还要再付一个月的interest。一月份的账单已付过，剩下的本金不就是payoff的钱吗？为啥还要多付一个月的利息？
There are possible options for pay off, if elect payoff are all principal, it will calculate as principal. And it is better to call your loan to confirm.
4，payoff以后，会收到什么凭证或有什么需要做的？
Possible help.
恭候指导，非常感谢！
