Your 21 + 3 game
If the game you mention is 6 decks, then you can use the Wizard's chart. The most direct way to come up with the house edge is to multiply the TOTAL return for each of the four winning hands, and add them all together.
FLUSH or FLUSH + PAIR occurs .0584 x 6 total units returned = .3505
STRAIGHT (no flush) occurs .0310 x 11 total units returned = .3423
TRIPS occur .0052 x 21 total units returned = .1102
STRAIGHT/FLUSH occurs .0021 x 31 total units returned = .0651
Adding all returns together = .8681, leaving a house edge of .1319, or 13.2%.
That's if I didn't make any mistakes in this quick once over.