Analyze my multi- family deal

[Robert Howard]

Hey I'm currently in South Georgia.  I have been looking at this duplex that has come up for sale.  The agent listed that the rents are $425/$400; which I believe are below market, but I ran my analysis with those.  Could the BP community please look at my calculations and tell me if I missing anything or miscalculating anything.  Currently I only have a connection with a bank that will do 10 years at 5%.  I would like to do longer terms, but can't find a bank who will do an in-house loan for longer.  They tell me it has to be at least $50k.  Also I know the arguments about $30k homes, but this duplex is on a decent street.  In my area there are nice houses that can be bought for $30k or below and rented between $500-$850 a month.  But here is the Link to my deal.  Please feel free to correct me on anything.  I'm attempted to learn.  I'm no longer on the side line, but I'm still timid.