For some reason I cannot re-create the "Query Too Complex" on my machine or several others I have tested on. The query seems to work fine on some machines and not others. Even running fine on a Windows 2000 730 MHZ 256 MB RAM machine.
Here is the SQL View of the query:
SELECT nz([totalbuyerfees])+nz([downpaymentdollars]) AS amtneedesatclosing, [totalmtgcosts]-[totalsellercontributions] AS totalbuyerfees, nz([sellerescrowstartup])+nz([sellerinteriminterest])+nz([selleroriginationpoints])+nz([sellerdiscountpoints])+nz([sellerbrokerfee])+nz([sellerlenderfee])+nz([sellermiscfee])+nz([sellerrealtorfee])+nz([sellertitlefees]) AS totalsellercontributions, ([finalloanamount]*([rate]/100))/365*[interiminterestdays] AS interiminterestdollars, [finalloanamount]*[originationpoints]/100 AS originationdollars, [finalloanamount]*[discountpoints]/100 AS discountdollars, [finalloanamount]*[brokerfee]/100 AS brokerdollars, nz([escrowstartup])+nz([originationdollars])+nz([discountdollars])+nz([brokerdollars])+nz([applicationfee])+nz([miscfee])+nz([realtorfee])+nz([totaltitlefees])+nz([interiminterestdollars])+nz([underwritingfee])+nz([docprepfeelender])+nz([creditreportfee])+nz([floodcertfee])+nz([taxservicefee])+nz([appraisalfee])+nz([pointscreditdollars]) AS totalmtgcosts, nz((([totalmonthlyincome])*nz([maxfrontendqualifyingratio])/100)) AS maxpipmtallowed, nz([totalmonthlyincome])*(nz([maxbackendqualifyingratio])/100)-nz([totalliabilitypmts]) AS maxpitipmtallowed, IIf([pipayment] And [totalmonthlyincome] Is Not Null And [totalmonthlyincome]>0,([pipayment]+((nz([yearlypropertytaxes])/12)+(nz([yearlyhomeownersinsurance])/12)+nz([yearlypmiamount]))+nz([hoadues])+nz([subfinancingpayment]))/[totalmonthlyincome]) AS finalfrontendratio, IIf([totalmonthlyincome] And [totalliabilitypmts] Is Not Null And [totalmonthlyincome]>0,nz([totalliabilitypmts])+nz([pitipayment])+nz([hoadues])+nz([subfinancingpayment]))/nz([totalmonthlyincome]) AS finalbackendratio, IIf([liability1dontinclude]=-1,0,nz([liabilitybalance1]))+IIf([liability2dontinclude]=-1,0,nz([liabilitybalance2]))+IIf([liability3dontinclude]=-1,0,nz([liabilitybalance3]))+nz([LiabilityBalance4])+nz([LiabilityBalance5])+nz([LiabilityBalance6])+nz([LiabilityBalance7])+nz([LiabilityBalance8])+nz([LiabilityBalance9])+nz([LiabilityBalance10])+nz([LiabilityBalance11])+nz([LiabilityBalance12])+nz([LiabilityBalance13])+nz([LiabilityBalance14])+nz([LiabilityBalance15])+nz([LiabilityBalance16])+nz([LiabilityBalance17])+nz([LiabilityBalance18])+nz([LiabilityBalance19])+nz([LiabilityBalance20]) AS totalliabilitybalances, IIf([liability1dontinclude]=-1,0,nz([liabilitypayment1]))+IIf([liability2dontinclude]=-1,0,nz([liabilitypayment2]))+IIf([liability3dontinclude]=-1,0,nz([liabilitypayment3]))+nz([LiabilityPayment4])+nz([LiabilityPayment5])+nz([LiabilityPayment6])+nz([LiabilityPayment7])+nz([LiabilityPayment8])+nz([LiabilityPayment9])+nz([LiabilityPayment10])+nz([LiabilityPayment11])+nz([LiabilityPayment12])+nz([LiabilityPayment13])+nz([LiabilityPayment14])+nz([LiabilityPayment15])+nz([LiabilityPayment16])+nz([LiabilityPayment17])+nz([LiabilityPayment18])+nz([LiabilityPayment19])+nz([LiabilityPayment20])+nz([netrentalloss])-nz([total]) AS totalliabilitypmts, IIf([finalloanamount] And [purchaseprice/appraisedvalue] Is Not Null,(nz([purchaseprice/appraisedvalue])-nz([downpaymentdollars]))/[purchaseprice/appraisedvalue]) AS FinalLTV, (nz([pipayment])+(nz([yearlypropertytaxes])/12)+(nz([yearlyhomeownersinsurance])/12)+nz([yearlypmiamount])) AS pitipayment, IIf([rate] And [term] And [finalloanamount] Is Not Null,IIf([intonlypmt]=-1,nz([finalloanamount])*((nz([rate])/100)/12),Pmt(([rate]/100/12),([term]*12),-([finalloanamount])))) AS pipayment, IIf([chkfha]=-1,((nz([purchaseprice/appraisedvalue])-nz([downpaymentdollars]))*0.015)+nz([purchaseprice/appraisedvalue])-nz([downpaymentdollars]),nz([purchaseprice/appraisedvalue])-nz([downpaymentdollars])) AS finalloanamount, nz([purchaseprice/appraisedvalue])*nz([downpayment])/100 AS downpaymentdollars, IIf([netrentalincome]>0,[netrentalincome],0) AS finalnetrentalincome, (nz([grossrentalincome])*nz([vacancyfactor]/100))-nz([total]) AS netrentalincome, IIf([netrentalincome]<0,(-[netrentalincome])) AS netrentalloss, IIf([liabilitytype1]="rental mortgage",[liabilitypayment1]) AS rentalpayment1, IIf([liabilitytype2]="rental mortgage",[liabilitypayment2]) AS rentalpayment2, IIf([liabilitytype3]="rental mortgage",[liabilitypayment3]) AS rentalpayment3, IIf([liabilitytype4]="rental mortgage",[liabilitypayment4]) AS rentalpayment4, IIf([liabilitytype5]="rental mortgage",[liabilitypayment5]) AS rentalpayment5, IIf([liabilitytype6]="rental mortgage",[liabilitypayment6]) AS rentalpayment6, IIf([liabilitytype7]="rental mortgage",[liabilitypayment7]) AS rentalpayment7, IIf([liabilitytype8]="rental mortgage",[liabilitypayment8]) AS rentalpayment8, IIf([liabilitytype9]="rental mortgage",[liabilitypayment9]) AS rentalpayment9, IIf([liabilitytype10]="rental mortgage",[liabilitypayment10]) AS rentalpayment10, IIf([liabilitytype11]="rental mortgage",[liabilitypayment11]) AS rentalpayment11, IIf([liabilitytype12]="rental mortgage",[liabilitypayment12]) AS rentalpayment12, IIf([liabilitytype13]="rental mortgage",[liabilitypayment13]) AS rentalpayment13, IIf([liabilitytype14]="rental mortgage",[liabilitypayment14]) AS rentalpayment14, IIf([liabilitytype15]="rental mortgage",[liabilitypayment15]) AS rentalpayment15, IIf([liabilitytype16]="rental mortgage",[liabilitypayment16]) AS rentalpayment16, IIf([liabilitytype17]="rental mortgage",[liabilitypayment17]) AS rentalpayment17, IIf([liabilitytype18]="rental mortgage",[liabilitypayment18]) AS rentalpayment18, IIf([liabilitytype19]="rental mortgage",[liabilitypayment19]) AS rentalpayment19, IIf([liabilitytype20]="rental mortgage",[liabilitypayment20]) AS rentalpayment20, nz([rentalpayment1])+nz([rentalpayment2])+nz([rentalpayment3])+nz([rentalpayment4])+nz([rentalpayment5])+nz([rentalpayment6])+nz([rentalpayment7])+nz([rentalpayment8])+nz([rentalpayment9])+nz([rentalpayment10])+nz([rentalpayment11])+nz([rentalpayment12])+nz([rentalpayment13])+nz([rentalpayment14])+nz([rentalpayment15])+nz([rentalpayment16])+nz([rentalpayment17])+nz([rentalpayment18])+nz([rentalpayment19])+nz([rentalpayment20]) AS total, [Title Fees Form Query].TotalTitleFees, LoanTerms.DownPayment, Fees.ApplicationFee, LoanTerms.VacancyFactor, SubjectPropertyInfo.[PurchasePrice/AppraisedValue], Liabilities.LiabilityName1, Liabilities.LiabilityBalance1, Liabilities.LiabilityPayment1, Liabilities.LiabilityType1, Liabilities.LiabilityName2, Liabilities.LiabilityBalance2, Liabilities.LiabilityPayment2, Liabilities.LiabilityType2, Liabilities.LiabilityName3, Liabilities.LiabilityBalance3, Liabilities.LiabilityPayment3, Liabilities.LiabilityType3, Liabilities.LiabilityName4, Liabilities.LiabilityBalance4, Liabilities.LiabilityPayment4, Liabilities.LiabilityType4, Liabilities.LiabilityName5, Liabilities.LiabilityBalance5, Liabilities.LiabilityPayment5, Liabilities.LiabilityType5, Liabilities.LiabilityName6, Liabilities.LiabilityBalance6, Liabilities.LiabilityPayment6, Liabilities.LiabilityType6, Liabilities.LiabilityName7, Liabilities.LiabilityBalance7, Liabilities.LiabilityPayment7, Liabilities.LiabilityType7, Liabilities.LiabilityName8, Liabilities.LiabilityBalance8, Liabilities.LiabilityPayment8, Liabilities.LiabilityType8, Liabilities.LiabilityName9, Liabilities.LiabilityBalance9, Liabilities.LiabilityPayment9, Liabilities.LiabilityType9, Liabilities.LiabilityName10, Liabilities.LiabilityBalance10, Liabilities.LiabilityPayment10, Liabilities.LiabilityType10, Liabilities.LiabilityName11, Liabilities.LiabilityBalance11, Liabilities.LiabilityPayment11, Liabilities.LiabilityType11, Liabilities.LiabilityName12, Liabilities.LiabilityBalance12, Liabilities.LiabilityPayment12, Liabilities.LiabilityType12, Liabilities.LiabilityName13, Liabilities.LiabilityBalance13, Liabilities.LiabilityPayment13, Liabilities.LiabilityType13, Liabilities.LiabilityName14, Liabilities.LiabilityBalance14, Liabilities.LiabilityPayment14, BorrowerInfo.BorrowerID, Liabilities.LiabilityType14, Liabilities.LiabilityName15, Liabilities.LiabilityBalance15, Liabilities.LiabilityPayment15, Liabilities.LiabilityType15, Liabilities.LiabilityName16, Liabilities.LiabilityBalance16, Liabilities.LiabilityPayment16, Liabilities.LiabilityType16, Liabilities.LiabilityName17, Liabilities.LiabilityBalance17, Liabilities.LiabilityPayment17, Liabilities.LiabilityType17, Liabilities.LiabilityName18, Liabilities.LiabilityBalance18, Liabilities.LiabilityPayment18, Liabilities.LiabilityType18, Liabilities.LiabilityName19, Liabilities.LiabilityBalance19, Liabilities.LiabilityPayment19, Liabilities.LiabilityType19, SubjectPropertyInfo.HOADues, SubjectPropertyInfo.YearlyPropertyTaxes, SubjectPropertyInfo.YearlyHomeownersInsurance, SubjectPropertyInfo.PropertyType, SubjectPropertyInfo.SubjectPropertyAddress, SubjectPropertyInfo.SubjectPropertyCity, SubjectPropertyInfo.StateCodes, SubjectPropertyInfo.SubjectPropertyZip, Lenders.RateSheetDate, Lenders.QualifyingProgram, LoanType.Escrowing, LoanType.Use, LoanType.IsCurrentMtgPITI, Fees.InterimInterestDays, LoanType.MaxFrontEndQualifyingRatio, LoanType.MaxBackEndQualifyingRatio, Fees.EscrowStartup, Fees.OriginationPoints, Fees.DiscountPoints, Fees.BrokerFee, Fees.MiscFee, Fees.AppraisalFee, Fees.Sellerescrowstartup, Fees.SellerInterimInterest, Fees.SellerOriginationPoints, Fees.SellerDiscountPoints, Fees.SellerBrokerFee, Fees.SellerTitleFees, LoanTerms.IsRateLocked, LoanTerms.Rate, LoanTerms.Term, LoanTerms.RateLockDate, LoanTerms.RateLockExpirationDate, LoanTerms.YearlyPMIAmount, BorrowerInfo.BorrowerName, BorrowerInfo.CoBorrowerName, BorrowerInfo.CurrentAddress, BorrowerInfo.CurrentCity, BorrowerInfo.StateCodes, BorrowerInfo.CurrentZipCode, BorrowerInfo.BorrowerHomeTelephone, IIf([netrentalincome]>0,nz([borrowermonthlyincome])+nz([coborrowermonthlyincome])+nz([borrowerotherincome])+nz([coborrowerotherincome])+nz([netrentalincome]),nz([borrowermonthlyincome])+nz([coborrowermonthlyincome])+nz([borrowerotherincome])+nz([coborrowerotherincome])) AS totalmonthlyincome, BorrowerInfo.BorrowerMonthlyIncome, BorrowerInfo.CoBorrowerMonthlyIncome, BorrowerInfo.GrossRentalIncome, BorrowerInfo.BorrowerOtherIncome, BorrowerInfo.CoBorrowerOtherIncome, [maxfrontendqualifyingratio]/100 AS maxfrontendratiofactor, LoanTerms.RateType, CCur(IIf([maxpipmtallowed]<[maxpitipmtallowed],[maxpipmtallowed],[maxpitipmtallowed])) AS finalmaxpiti, [finalmaxpiti]-(nz([yearlypropertytaxes])/12)-(nz([yearlyhomeownersinsurance])/12)-nz([yearlypmiamount])-nz([hoadues]) AS finalmaxpi, ProgramMaintenance.TitleSplashOn, LoanTerms.interiminterestdayspurchase, LoanTerms.interiminterstdayspurchasedollars, Fees.purchasetotalclosingcosts, Fees.totalcostspaidbyseller, Fees.AppraisalFee, Fees.UnderwritingFee, Fees.Floodcertfee, Fees.Creditreportfee, Fees.taxservicefee, Fees.docprepfeelender, LoanTerms.RateSheet, LoanTerms.Escrow, LoanTerms.LockDays, LoanTerms.RateAdj1, LoanTerms.RateAdj1Desc, LoanTerms.RateAdj2, LoanTerms.RateAdj2Desc, LoanTerms.RateAdj3, LoanTerms.RateAdj3Desc, LoanTerms.RateAdj4, LoanTerms.RateAdj4Desc, LoanTerms.SRP, LoanTerms.RE, LoanTerms.BaseRate, LoanType.ProgramCode, nz([baserate])+nz([re])+nz([srp])+nz([rateadj1])+nz([rateadj2])+nz([rateadj3])+nz([rateadj4])+nz([pointscredit])+nz([discountpoints]) AS WholesalePrice, LoanTerms.Escrowmonthstaxes, LoanTerms.EscrowmonthsHOI, nz([totalbuyerfees])+nz([downpaymentdollars])-nz([cashdeposittowardpurchasevalue]) AS amtneedesatclosinglessdeposit, BorrowerInfo.cashdeposittowardpurchasevalue, ProgramMaintenance.CompanyMailingAddress, [companycity] & ", " & [programmaintenance.statecodes] & ", " & [companyzipcode] AS companycitystatezip, Liabilities.liability1dontinclude, Liabilities.liability2dontinclude, Liabilities.liability3dontinclude, LoanTerms.PointsCredit, LoanTerms.pointscreditdollars, Liabilities.TotalofPmts, Liabilities.TotalMonthlyIncome1, LoanTerms.pointscreditdollars, SubjectPropertyInfo.subordinatefinancing, IIf([finalloanamount] And [purchaseprice/appraisedvalue] Is Not Null,(nz([finalloanamount])+nz([subordinatefinancing]))/nz([purchaseprice/appraisedvalue])*100) AS cltv, Liabilities.FrontEndDebt, [Title Fees Form Query].totalsellerpaidtitlefees, LoanType.LenderCaseNumber, SubjectPropertyInfo.appraisalwaiver, Fees.SellerMiscFee, [Lead Turndowns].[BM Letter Mailed], LoanTerms.subrate, LoanTerms.subterm, LoanTerms.subintonly, LoanTerms.issubheloc, LoanTerms.subfixedadj, LoanTerms.subfinancingprogram, IIf([subintonly]=-1,[subordinatefinancing]*[subrate]/100/12,IIf([subrate] And [subterm] And [subordinatefinancing] Is Not Null,(Pmt(([subRate]/100/12),([subTerm]*12),-([subordinatefinancing]))))) AS subfinancingpayment, LoanTerms.armtype, LoanTerms.subarmtype, Lenders.internalrefinance, SubjectPropertyInfo.StateCodes AS propstate, LoanTerms.intonlypmt, LoanTerms.chkfha, Fees.miscfeedesc
FROM ProgramMaintenance, ((((((((((BorrowerInfo INNER JOIN Fees ON BorrowerInfo.BorrowerID = Fees.BorrowerID) INNER JOIN Lenders ON BorrowerInfo.BorrowerID = Lenders.BorrowerID) INNER JOIN Liabilities ON BorrowerInfo.BorrowerID = Liabilities.BorrowerID) INNER JOIN LoanTerms ON BorrowerInfo.BorrowerID = LoanTerms.BorrowerID) INNER JOIN LoanType ON BorrowerInfo.BorrowerID = LoanType.BorrowerID) INNER JOIN SubjectPropertyInfo ON BorrowerInfo.BorrowerID = SubjectPropertyInfo.BorrowerID) INNER JOIN YieldSpread ON BorrowerInfo.BorrowerID = YieldSpread.BorrowerID) INNER JOIN [Active Borrower] ON BorrowerInfo.BorrowerID = [Active Borrower].[Borrower ID]) INNER JOIN [Title Fees Form Query] ON BorrowerInfo.BorrowerID = [Title Fees Form Query].BorrowerID) INNER JOIN LiabilityContactInfo ON [Active Borrower].[Borrower ID] = LiabilityContactInfo.BorrowerID) INNER JOIN [Lead Turndowns] ON (BorrowerInfo.BorrowerID = [Lead Turndowns].BorrowerID) AND ([Active Borrower].[Borrower ID] = [Lead Turndowns].BorrowerID);