Using investor for Down Payment - Missouri

[Bill Orf]

Here's my situation:

135,000 property - 3 bed 2 bath

15% (20,250) down that will be borrowed from investor at 10% over 10 years.  The monthly payments to the investor will be $268

I'll borrow the rest from the bank (114,750) at 3.75% over 30 years.  Monthly Payments are $531.

Estimate taxes to be $1000/year

Estimate insurance to be $800/year

I could get at least $1100/month in rent from the property.

I expect to cash flow $144/month on the house but that is before any possible maintenance/vacany/etc.

My question is - Is this a great deal because I'm not using any of my own money? Or am I missing something that will make me regret this deal?

Thanks!

Bill