It turns out it was something simple as you were alluding to.
Mikrotik do not support /31’s (I was under the assumption they did). It turns out I had to configure my sfp-sfpplus3 interface as a /32. This post http://forum.mikrotik.com/t/point-to-point-31-addresses/29492/1 helped me resolve the gateway not being reachable issue.
This is the configuration I put on my sfp-sfpplus3 interface:
/ip address add address=103.xxx.xxx.95/32 interface=sfp-sfpplus3 network=103.xxx.xxx.94
Thanks a lot for your help!