Deal Analysis: Multi-family unit

[Eben Brayson]

Thanks in advance for any help/insight or notes on what I might be missing here. I also have the option to put 0% down through a private lender. 

Purchase Details

Purchase Price: $150K
Down Payment: 20%
Interest Rate: 4%
Term: 30 year fixed

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Income

Rental Income: $2,205 per month / $26,460 per year
Number of Units: 3

Expenses
Annual Mortgage Payment: $6,874.78
Annual Property Taxes: $1,809
Annual Property Insurance: $1,800 (estimate)
Annual Property Management: $2,646 (10%)
Annual Utilities + Snow Removal: $900
Vacancy: $1,323 (5%)
Repair & Maintenance: $1,323 (5%)
Capital Expenditures: $2,646 (10%)

Total Expenses: $19,321.78

Annual Cash Flow: $7,138.22
Monthly Cash Flow: $594.85