You need cash for emergency repairs.

On the front side, there is a ground level entrance to the first floor, second floor has stairs up, and the third floor has a balcony porch with the "rope ladder" emergency stair option.

If using for an investment property, I would venture that you will be cash flow negative on the asset, and if for a primary, even if you could still qualify for a loan, your monthly payments will be rather high.Moral: Credit cards, in my opinion, are only to be used if you can pay off the balance each month, or for an absolute emergency.  

I also have roughly $10k in savings for an emergency fund, etc.  

In some areas, you'll need emergency egress, heating/cooling and separate metering as well to be considered a triplex.

The skills do not exist lol Where do I go to find plumbers/carpenters/electricians etc that can be "on call" for emergencies? 

We'll find a tenant for you at 100% vs 65%, if we're your emergency line, it's $50 per call with a mark up on the vendor bill. 

Take a loan out on my mutual funds at a 2% interest rate (which has tax loopholes) and use the liquid cash for emergency fund or to rehab the house. 2.

For example, right now in New York we are still in a "state of emergency" meaning realtors cannot cold call anyone to sell there house.

Will you handle emergency repairs between tenants?