Hi James A Oates Jr , and welcome to the BP community!

Less that 30% is not realistic unless the property is bran spanking new.  

Right now we also cap our loans oat 60% of the after repaired value of the property.

perhaps the party with the child was not qualifiable.Maybe the new listing specified a BR + an office.Could there be rules that an owner occupied triplex does can be more selective than larger multi families

Continue by calculating the yield on your $200k by taking the debt service out of the NOI ($107k minus debt service of $81k, assuming I/O at 4.5% on $1.8MM) and you are left with $26k of cash flow, which nets you a 13% return on your $200k investment. 

Ate a lot of Quaker Oats made with creek water and nothing else. $.50 a week would buy a box of that.

. - Purchased my first Property/Investment in 2014, I was 25 y/o at the time.

Not only have they not done it, I haven't gotten a SINGLE RESPONSE after their first one telling me where to look for lists "like I'm bran new to this and haven't skip traced 100 lists with them before SMH."

Bran- never use all of your savings on real estate, you want to keep as much liquid cash as possible.

The cookie has already raised expectations too much.Supposedly the secret to these cookies has been revealed: pulverized oats, and supposedly there is a good copycat recipe out there.