., you are capitalized at something like 250k and somehow got loans on the other 3.2-3.4MM For ease of the maths: If at the start you were to take your 200k and put down payments on 1MM worth of property (assuming zero closing costs, prepaid escrows, etc.)... you're tapped out. 

If you have a good attorney it would be smart to show your husband the actual math of the scenario.

I am doing some additional homework and will post my findings.

It's a math problem that you can easily figure out  

A HELOC carries a higher rate over a shorter amortization usually 10 or 15 years and a mortgage carries a lower rate over a 30 year amortization offering a lower payment.You have to run the math in each scenario because the math differs based on a few things like Fico score, CLTV, Loan size, and time frame between purchase and refinance of new property.

I think that's entirely up to you and your math.

You will need to read them and do some math, but this would allow you to calculate costs and evenly allocate them if they go 50/50.

Don't use napkin math 'rules' to make investing decisions on.I hate the 1% rule, for the same reasons I hated the 2% rule a handful of years ago. 

I need this explained in layman's terms please I am still learning and the math breaks my brain a little, haha.

Need numbers on this one to do actual math.