Buy hold for now or for future

[Thomas P.]

I live in Staten Island, NY and have been looking to buy a duplex for a buy and hold. I have been doing research for years and been hesitant since the 50% rule and the 2% rule do not workout on a typical NYC home. There are many investors that buy homes in this area and i am curious what there intentions are. All the numbers I run show that I will put between $ 100 and $400 in my pocket each month. This assumes 20% down. I ask myself is this time and effort worth $200 or so a month. If not for the cash flow then is it worth nearly breaking even over 30 years as a retirement type Savings. I have consistent contributions to my 401k so this would not be in place of it. I appreciate everyone's input.
Thanks, Tom