If Statement with three criteria

The attached spreadsheet is showing both a win and a loss for trades which were opened as a Credit and as a Debit.
I am trying to change the formula in a cell based on whether another cell is reading the word “Credit” or “Debit”. In addition, I would like to look at another cell and if that cell is empty, and if so, then don’t apply the formula at all.
I have the three formulas, which all work independently, but when I put them all on the same line, in the same cell, I get an error message that reads . . . “There is a problem with this formula. Not trying to type of formula? When the 1st character is equal or - Excel thinks it’s a formula”
I need to know if I have a Profit or Loss in Row R of the attached spreadsheet.
• If I sell an Option trade to open a contract, there is the word “Credit” in column D.
• If I buy an Option trade to open a contract, there is the word “Debit” in column D.
To determine profit or loss, this involves six fields
1. D = Opening a trade with either a Debit (Buy to Open), or Credit (Sell to Open).
2. F = Amount of money paid (Debit) or money received (Credit) to Open a trade, shown as the price of an individual share.
a. (Note: Price paid is for an individual share, so price x 100 = cost of ONE contract.)
3. K = Quantity of contracts included in the trade. (Note: each contract is 100 shares).
4. L = Closing cost per share shown as cost of individual share.
a. Note: If the trade starts as a Debit (contracts are Bought to Open), then profitability is determined by comparing column F to column L (Open:Close) and the close price must be MORE than open price to show a profit, otherwise it is a loss.
b. Note: If the trade starts as a Credit (contracts are Sold to Open), then profitability is determined by comparing column F to column L (Open:Close) and the close price must be LESS then open price to show a profit, otherwise it is a loss.
5. P = Commissions and fees paid to broker to transact the trade. This cell will always be deducted from any profitability or added to any loss.
=IF(ISBLANK(X3),"",  If cell X3 is blank
=IF(F3="Credit",100*(H3-U3)*(T3)-(Y3))  If cell F3 reads “Credit”
=IF(F6="Debit",100*(U6-H6)*(T6)-(Y6))  If cell F3 reads “Debit”

WBD,
This formula resolves the credit part of my question and the thread after yours addresses the entire issue. Thank you for the response.

John,
This resolves my problem. Thank you.
Al