(White vinegar is 5% acetic acid and can be used as a substitute for the stronger solution.) It is a clear fluid that can be used to remove stains on silk and wool. It must be diluted with 2 parts water for use on cotton and linen (a pretest is recommended). It should not be used on acetate.
Improved property, zoned for your intended use, will be easier to get a loan for than unimproved property. Land purchased with immediate plans for construction is the easiest type of land loan to secure because the lender will be paid off when a mortgage is obtained on the structure.
Now, you can probably qualify for a much larger loan than what 25% of your take-home pay would give you. But it's really not wise to spend more on a house because then you will be what Dave calls house poor.. Too much of your income will be going out in payments, and it will put a strain on the rest of your budget.