Each wan needs masquerade rule.
Each wan needs a mangle rule: chain=forward, src-nat=192.168.?.0/24, action=mark-routing, new-routing-mark=WAN1 (or WAN2, etc)
Each wan needs a routing rule with routing-mark configured.
Solved. I bought another router. Not Mikrotik........
Which router did you go with? I chose Mikrotik/RouterOS as my preferred router because it's a single router that handles all my different requirements. When I first started I had to spend hours learning more about networking, and get familiar with RourterOS.
In my country, Cisco is mainstream. I could only find 1 Canadian Mikrotik reseller. Now there are a few Mikrotik resellers in my region, and now I'm starting to see them installed here and there.