How about this 4 plex?

[Steven J.]

A single story 4 plex offered at $91600 with market value at 95000. Income is $1625 from the units and utilities run $556/ month according to seller. That does not include vacancy, management, or repairs.

With 25% down I've got a loan of $68625 at 4.5% over 30 years. Putting the numbers in the buy and hold calculator it shows a negative cash flowing property. Am I correct in all this?

And what I'm finding frustrating is the property passes the 50% rule giving a little over $100 per door and it does pass the 1% rule, but yet its negative cash flowing. Did I put information in wrong or is this common?