What do you guys and gals think of this one

[Rob Donovan]

$130,000 purchase price for 3 bed 1 bath duplex

$1425/mo rent total

$2290 for taxes

$780 for insurance

$590 for P & I

Plan to put 10% down with seller financing at 4.5% with 30 year amort and 5 year balloon.

Tenants would pay all utilities and do snow and grass

I figure 8% vacancy and 10% maintenance reserve should cover things.

What would you do?