The time, effort and amount you will save is typically inconsequential.

Typically Conventional will end 42% of DTI and FHA can get up to 51% DTI (and based on your credit score I think you should stretch to that 51%) Just a few things to start thinking about as you are working through the process. 

Typically, if they can make it work as an STR they go that route because it almost always generates the most revenue.

Since tax bills are for entire parcels (typically, though not always) then it is highly unlikely that they somehow segregated the taxes for that small portion and paid it.

-Cash Back on debit card payments (THIS IS THE BEST)-Higher APY than is typical on checking accounts 

Most lenders typically require a 30% downpayment.

Quote from @Arshiya Taami: Quote from @Brandon Croucier: You have 600,000 problems.Bridge lenders (HML) Want low LTV (65% Max Typically). 

That's typically where I see people referring to entry fees.

Inspections are typically done by licensed professionals like structural engineers, architects, or certified building inspectors.

Quote from @John Teachout: Title work is typically done as part of the pre-closing paperwork.