Your post is missing important pieces :) 

A: I'd start by reading up on the previous 42,367 post's made this month asking "If/I have $_____, how should I start investing" and not assume post 42,368 would bring any radical earth moving change to the answers.

I noticed a triplex that seemed to have an interesting bit of information in the description."

I’ve been exploring my options to ensure I make the most informed financial decision for my family.

If posting a recommended bank, can you also please include what their balance minimums and/or monthly fees are? 

Hi Felicia, please direct message me to get information on propertyonion.com.

I also have every guest sign a rental agreement, whether on or off the OTA's, that states the specifics including the cancellation policy, so I know they have read it outside of the booking information.

Talk to your tax advisor about how to release your passive activity losses based on your situation.This post does not create a CPA-Client relationship.

I informed the agent that I was a wholesaler. 

Here's a post where I go into detail about DSCR loans as far as the importance of cash flow, credit scores and down payments: https://www.biggerpockets.com/forums/49/topics/1080147-refinance-rate-105Lender terms and fees vary widely.