I was just informed that there are additional cells to test 0- same error when I try and use the prior formula:
=IF(I3="YES",IF(OR(C3={"B","W"}),"Min. Amt / 286",IF(OR(C3={"MD","MN"}),"Min. Amt / 300","")),"") +
IF(I3="YES",IF(OR(C4={"B","W"}),"Min. Amt / 286",IF(OR(C4={"MD","MN"}),"Min. Amt / 300","")),"") +
IF(I3="YES",IF(OR(C5={"B","W"}),"Min. Amt / 286",IF(OR(C5={"MD","MN"}),"Min. Amt / 300","")),"") +
IF(I3="YES",IF(OR(C6={"B","W"}),"Min. Amt / 286",IF(OR(C6={"MD","MN"}),"Min. Amt / 300","")),"") +
IF(I3="YES",IF(OR(C7={"B","W"}),"Min. Amt / 286",IF(OR(C7={"MD","MN"}),"Min. Amt / 300","")),"")