My first Duplex, deal advice please

[Jordan Williamson]

I'm looking at purchasing not only my first home but my first rental investment. I am looking at duplexes in my area with the idea of going owner occupied and living in a side for a year or so and then purchasing again owner occ. I looked at a property today and am wondering if you brilliant fellows will look over the number with me. I'm not sure if I should run the numbers with or without me living there. Obviously the numbers are going to look bad if I'm living in one side eating up half the rent money.

Purchase price: 103,000
Rent: 1300 (both sides rented $650 each)
taxes: 2240
insurance: 1020
Maintenance: 1440 ($60 per door a month, sound right?)
Vacancy: 1300
FHA 3.5%: 3605
Mortgage pmt including mortg ins: $527

How does it look to you guys? It is in a decent neighborhood, but is older being built in 1984.