6-Plex too much for my first deal?

[Dan Buhr]

I'm brand new to real estate investing and found a 6-unit multifamily house in my area. From what I can gather, there are around $10K in annual expenses (insurance, heat, electric, water, taxes, upkeep). $100K is asking price and annual rent income is $36K. If I am able to get financing to put 20% down, this should cash flow well on paper right? What strategies should I look at? It needs some help to bring units up to nicer living standards, possibly could pull in better rent and tenants as well. I don't fully understand commercial lending process and could use some help knowing what options are available if/when I get financed.