Property analysis question

[David Pere]

I'm still fairly new to the REI world, only own two houses (three units). Ready to make another purchase. And the numbers seem to flow on three of that many I've looked at.

-One is a 4-plex (house converted to triplex, with a efficiency added on).

-One is a 2/1 house with a 2/1 & 1/1 duplex on the same lot.

-one is a much discounted house converted to triplex (with additional unit added to make it 4-plex) that needs about 12k repairs.

Numbers flow the best in the last oje, but I'm hesitant due to the repairs, and conversion. I feel the duplex and house lot safer. My question is whether a house converted to triplex (or 4plex) is a more risky investment than a duplex that was built as a duplex (numbers asside). I feel like it shouldn't matter, but when I bought my first duplex my lender talked me out of a triplex saying they aren't worth it unless they were built originally as a triplex. Thank you for your time all.