At first I looked for a way around the Self-Dealing, Disqualified Person and Prohibited Transaction rules so that I could move current assets into the SDIRAs but failed to find the seams in those rules, resigned myself to only new and conforming activity and moved on. 

Hi Travis,I'm a lender in Portland and the typical appraisal cost for a single family at or less than the conforming loan limit ($548,250) are in the range of $700-850.

@Adam SharpI'll ask my lender next time I speak to her, but I think this where again, using conforming loans for investment gets very "grey." 

Jain,Fannie Mae and Freddie Mac - Conforming both have a (10) loan maximum loan limit reporting to credit. 

Duplex with a non-conforming unit or ADU is not the same as a triplex.Good luck.

Just remember that LLC's are not eligible for conforming residential loans so you will have to use commercial financing. 

It is a conforming guideline that NOO loans require 20% down for 1 unit and 25% down for 2-4 units. 

Confirm legal use of the non-conformity.

In an ideal world, the property would have been used as triplex for decades and would fall under a "non-conforming use," which is the technical way of saying it's grandfathered in.

If you are looking for a conforming residential loan, your only non-owner occupied option is the "investment" conventional loan at 20% to 25% down.