This was the same math done when you purchased the triplex, if you purchased it as an owner occ and used the rental income to help qualify.3) If you want a rational reason why non-owner occ math is more generous than owner occ, consider that non owner occupants have to put big fat down payments down, and have more skin in the game generally. 4) Rental income (anything about it) is frequently overlayed. 

Since it's your first commercial multifamily deal and you're looking out-of-state you're more likely to rationalize a "D" being a "C" property in the search for yield.3.)

This is your child smiling at you and saying, "pretty please" to something you know they shouldn't be doing, then you look at their smile, and rationalize right into what they want.Be a parent...be a landlord.If they have to move, find a place for them to move to that they can afford...that you own.

Any payment that shows up on your credit report will count towards your Debt to Income ration.

Many people who seem otherwise rational act out as entitled and angry when it comes to rentals.  

Most tenants will understand rational decisions and will appreciate knowing that they can trust you to hold up your end of the relationship if they hold up theirs.

I'm tired of paying high rent and considering starting to check some places in Queens, which I think is a little more stable and rational in terms of price, even though it'll be less and slower appreciation.  

Maybe you can guilt her over writing that nasty letter after showing her your rational analysis of the house.

I know most of the information is on here, the onus is on me to find it or hope someone will comment on my post and provide a rational viewpoint.  

Although I have gotten some reparations and they are moving out next month, I fully realize that is was the same sympathy and rationalization that I used with unit #2 that got me into this mess.