129k OO duplex analysis

[Tony G]

purchase price- 129,900

rents- 800 rent for rented unit, units are 2/1

property tax- 2200

insurance/pmi- 2400

maintenance/repairs (15% of rental income)- 1440

utilities- paid by tenants, separately metered

vacancy rate- 960 (10%)

capex/improvements- 5k

Financing

DP- 6670 (5%)

Loan Amt- 126,730

Closing Cost- 3500 rolled into loan

Cash Outlay- 11,670

Interest Rate/Term- 4.5% @ 30yrs

Mortgage Payment (PI)- 642

Numbers

Yearly NOI- 2600

Yearly Cash Flow: -5105

Question: Help me understand how OO properties can cash-flow.

Since I would need to rent one side for 1275, which would be unreasonable for the area for a 2/1, to break even and have no expenses, what needs to be changed in this example in order to get to break-even or cash flow point?