Need your experience to analyze this RE investment

[David de Luna]

This is the first deal that I'm considering. It is a 4-Plex - each unit approx 550-600 SF each; total of 2500 SF. The metrics seem to be in the range I've learned about, but it's my first deal and I'd sure appreciate far more experienced eyes to look at these numbers and tell me if you see something wrong. I hate to plunk down this much money not considering something I'm missing here. Much obliged to for taking a peek at these numbers.

Sell Price	700,000
Down Payment	125,000
Loan Amount	575,000
Rate	4.50%
Term	360
Monthly Debt Service	2,913
Annual Debt Service	34,961
NOI	46,117
Annual PreTax Cash Flow	11,156
Monthly PreTax Cash Flow	930
GRM	1.10%
CAP Rate	6.59%
DSCR	1.32
Cash on Cash ROI	8.92%

My original plan was to live in one of the units to get a good residential loan (I'm a first time homebuyer) but that would put a $1450 dent in cash flow, making me go negative, so I'm not sure yet until I see the diff between a commercial loan and a residential loan cost. I have yet to pursue that question. The unit happens to be empty right now but they have a half dozen tenant applications in hand right now in case I opt to not move in.

Please let me know if more info is needed. I didn't want to cram so much data, like the detail of expenses and such, but if you want to see them, I'm happy to post them. I'm not completely certain I'm looking at all that needs to be analyzed so I welcome the schooling. THANK YOU!