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how are you getting that with zero down payment?

Down Payment: $0.00 

Loan Amount: $108,000.00 

Loan Points: $0.00 

Loan Fees: 

Amortized Over: 30 years 

Loan Interest Rate: 5.000%

I'm not seeing any accounting for CapEx or property management in your expenses. Yes, you can manage yourself, but you should probably still at least consider it in your analysis. And ignoring capex will really come back to bite you.