I am a land title examiner with 30 years exp. 

Don't do anything until you have your insurance company send an adjuster to examine the damages. 

All of the Community Banks I know (and I’ve worked for a few) set internal LTV limits at 75% for investment properties (Triplex or not). 80% would be a policy exception, which Banks try to avoid as much possible; mostly because loans with policy exceptions will be looked at with more scrutiny by the examiners.

"I called some CPAs in the past but they were quoting me $2000+ to do my taxes, that's why I stuck with the aunt for $300"I wouldn't examine the cost, but rather the value you obtain. 

North Carolina requires I complete a state-approved 75-hour broker pre-licensing course in a live classroom and take the exam in North Carolina. 

Be sure to examine screening practices, their finances, etc. and ask yourself what you might have missed that could have warned you that their not timely with payments.

Thru all these levels, you'll also want to examine how they are financed.  

Redo the layout of second floor to get back the lost bedroom.The house has a septic system but upon examination it is pretty much at the end of life.The construction cost I have an estimate of 25,000 plus another 10000-12000 for new septic system.Then there will be siding costs..unknown at his time.City appraisal from tax Department is 159500Assessed at 111650The question I have is how to work the numbers to make an offer to make it worth while.Any advice or help will be appreciated.Thank You

I recently passed my exam in Minnesota and interviewed with 7 brokers.

Again, others might feel differently here.3) property level due diligence: (takes seconds to weeks per deal): here is where I drill in with the low-level details.a) pro forma popping: I examine all the assumptions, and see if they are overoptimistic or not.