Help me analyze this triplex!

[Craig Garrow]

Im looking at a triplex as my next investment and am just looking for some second opinions: 3 units - 1 - 2 BR, and 2 - 1 Bedrooms. Current rents are $700, $400, and $375. (The two lowball amounts should be $600 & $500 minimally.) Taxes are $3,200 per year. Insurance will be about $750. Trash Removal will be $840. Snow Removal will be $600. Water & Sewer will be $700. Propane (hot water for all apartments and heat for 2 BR) will be $1,500. Vacancy Reserve of $1,500. List price is $104,900. I'm thinking of offering $95,000. 20% down with 6% seller's concessions, my P&I payment should be about $390.