Please help me to run a numbers for a deal (loan, HOA, rent)

[Artur A.]

I'm planning to buy a property in the Bay Area (Danville, Concord, Richmond area). If something happens in my life and I would need to move out after some time.

I'm trying to calculate all numbers, that rent will cover monthly payments.

I used this mortgage calculator:

https://www.bankrate.com/calculators/mortgages/mortgage-calculator.aspx

Create a spreadsheet where I put all info (property tax, prop management fee, etc) 

https://docs.google.com/spread...

Please correct me If I missed something. In the case of 20 years loan, monthly payments would be able to cover all expenses. What would you include as well? 

Thanks in advance

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Downpayment	48000
Loan	192000
Condo (2 bath, 1 bedroom)	240000
	Monthly payment	Loan amount	Principal and Interest
Rent per month	2300
Property management (Comission 8%, Vacancy rate 8%)	184
20 years loan - Monthly Payment (HOA, Prop Tax, Interest)	1809	240000	267120
15 years loan - Monthly Payment (HOA, Prop Tax, Interest)	2068	240000	202320
Property tax (Concord - 0.871%)	174.2
Insurance (Lemonade)	25
HOA fees	500
Principal and Interest (15 years)	1124
Principal and Interest (20 years)	1113