This way you do not need the 20% down ($3000,000 x .2 = $60,000) in order to purchase a non-owner-occupied triplex. 2.

Outside of my very first purchase which is a duplex that I house hacked, I a very proud of my first non-owner occupied property.

The non ionIzIng radiation you speak of is not issue unless you are literally standing right in front of the antennas.

The LOIs I work with are non-binding, and I want to bind the Seller.  

We charge a $250 non-reundable deposit for pets and $50/month per pet. 

Plenty of non Pitbull owning tenants out there.

Anyone know much about the Macon Area, particularly the history on Mercer University Drive?

I'd recommend taking some time to educate yourself on the specific area you are interested in and the particulars about how foreclosures work before deploying any capital or trying to do a deal.

I imagine there are some very specific tax strategies for non-performing note investors. 

Auto Liability:  Even if you do not own any autos, you should make sure there is coverage for Hired Autos & Non-owned Autos is included on the Liability coverage.There's no way to accurately estimate the costs of the various policies without more info.