Is this in a pre-qualification letter? 

My first spreadsheet is condensed information form my mortgage broker and lists on the Y axis (vertical): mortgage terms, rate, APR, fixed term, years, credit score, loan amount, sales price, percent down, down payment, FHAfunding fee, Total Loan Amount, Estimated Monthly Payment, Principle & Interest, Homeowners Insurance (Flood + Home), Property Taxes (1.23% home price in my county), Mortgage Insurance, HOA Dues, origination fee, appraisal fee, tax service, flood certification, credit report, attorney's fee, title insurance-lenders, title insurance-owners, recording fee, verification of employment, survey, home inspection, water/septic if well, pest, 1st year homeowner's insurance premium, homeowner's insurance escrow, property tax escrow, per diem interest, down payment, closing costs, prepaid expensesOn the X axis (horizontal) I have the numbers for 200k, 250k, 300k, 350k, 400k broken down into whether it's single family or multifamily, then FHA or conventional2.)

They are asking for 25% down with 8.625% interest and APR 8.959%.

@Scott E. is also right however - this is not a great time to go all-in and get over your skis with a first purchase.

The other is that the tenant has a right to a pre-move out inspection no sooner than 2 weeks prior to the termination date.

If you feel you need a pre-nupt, don't get married.

Our debt consists of:26k car loan at 3.9% ($479 monthly payment)7k student loans at 5.3% ($274 monthly payment)9k credit cards at 0% (transferred it to two 0% APR cards, $118 monthly payment)I'm currently down to 42k overall after throwing 2000-3500 per month at it.

It also has large acreage attached to his house of 35 acres  It is located - short distance from a major ski area and the rental market is always in need of larger 3 bed 2 bath rentals for families that live/work at the resort. the ROI is over 30 %Seems  like the hard lenders will not loan to properties over 5 acres and in areas considered a rural area.Amy ideas or suggestions Thx 

I have pre approval for $350k sólo and waiting for a pre approval with a family member for a higher amount. 

Using the HELOC for alternative investments earning a higher ROI than the interest APR makes perfect sense.