Know the risks, make calculated decisions, and if you ever hear "fast, easy, and no money required" be VERY CAUTIOUS. 

Are you calculating your MAO differently?

Did the Cap-Ex on the triplex affect your taxable income?

Most important is getting a RE knowledgeable CPA who knows to outsource the calculation-intensive work involved in a quality engineering-based cost segregation study.  

If so, how do you calculate the premium?

The way I've valued multifamily properties is to calculate the Net Operating Income (Gross Income - Expenses) and then divide by desired cap rate.  

The question is this (numbers are just round for ease of calculation):  Suppose the home is valued at $500K, and I took a $50,000 (10%) distribution last year, including what was owed for taxes.

Here's a bit more in detail about how rates are calculated for DSCR loans:1.

Also, in our experience, 95+% of agents have no clue how to calculate ROI, Cash-on-Cash, Cap Rate, etc., so what are they really going to help an investor with?

Btw I do not know much of your background but know your stated goals are possible for many if they are willing to work it and take calculated risks.