Load balancing 3 connections for 3 different networks, each having its own policy, is not a trivial task.
Mikrotik is a powerful routing platform with many controls and functions. It's not the easiest router to learn with if you don't already know networking concepts and don't read howtos / watch howto videos on youtube.
Starting with a complicated design on a powerful platform can be daunting.
For learning Mikrotik, try to understand each component seperately, and understand how they all work together to achieve the behavior you want.
Ethernet interfaces configuration has to do with speed/duplex/switch membership, but IP addresses are assigned from the IP menu. (Many routers group configurations by interface, but Mikrotik groups by functionality)
What part do IP routes play?
How does NAT work?
What is the behavior of chains in the firewall filters?
I recommend studying the new packet flow diagram
http://wiki.mikrotik.com/wiki/Manual:Packet_Flow_v6
This shows an overview of how each component of RouterOS is used.
Also understand what's going on "on the wire" with Internet protocol - things like DNS, ping, arp, MAC address, port numbers, etc - Don't just know the words - understand what they mean and what they do, and you'll be able to understand Mikrotik pretty easily.