Buying first multifamily property

[Emily Shrub]

Hello all, My partner and I are looking for a multifamily property to buy so that we can live in one of the units. I've been using the bigger pockets rental property calculator to look for a good deal however there are none for us.

We only have 3-5% to put down which messes with the ROI. Then when I calculate the rent income for all but the unit we would live in our cash flow is largely in the negatives.

I'm wondering if I should be looking at the data differently. Maybe to see the negative cash flow as our new monthly rent? But what about these atrocious ROI levels?

Thanks,
Emily