First Rental Property advice needed

[John Southard]

I need some help deciding on a potential SFR 3/2 rental property. I've run the comps on both rental and purchase and would like some feedback from you all if this deal is worth doing:

House Price 105,000
Down payment 25,000
Mortgage 84,000

Debt payment (407)

Rent Comps 1,100

Vacancy at 8.3% (91)
Taxes (263)
Insurance (58)
Repairs (138)

total Expenses (550)

Net Operating income 550
Less Debt (407)
Monthly Cash Flow 143
Annual Cash flow 1,716
cash on cash 6.86%

I'm looking for long term hold for cash flow and appreciation.
The Repair estimate is a swag to make total expenses come in at 50% rent
Debt payment based on actual qualified loan
House needs no additional capital to begin renting