However they removed a load bearing wall and didn't support the ceiling.

Steve, you lost track of how often you need to pump given the load.

I can sell it if I want out or need the money.Your debt load through your 20-40s depends on circumstances and career paths. 

If you are serious about real estate investing, a good attorney is worth it's weight in gold.

You better be able to pick up a human turd from off the living room floor,  Dispose of a mound of hundreds of used women's pads, Take an entire truck load of used baby diapers to the dump and then go to lunch. 

I work for an appraisal company and although we develop the income approach on all multifamily appraisals, it is never give weight in the final appraised value and is considered unreliable for properties at or below 4 units.

Your background will also be scrutinized but they put more weight on the principal sponsor.Hope this helps.

Your lender saying very few banks give owner occupied loans on triplexes is a load of ********!  

@Allan Brooks Loaded question as @Nathan G.pointed out.

They state that they put the most weight on a 2 family house in the area.