[Calc Review] Help me analyze this deal

[Shane W. Chapin]

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I am a new investor aggressively looking to purchase my first multifamily property. I have been analyzing deals from a few properties in my area of Rochester, NY and surrounding towns. It seems like any property over $100K is generating negative cash flow from day 1. For example, on this deal I have posted, I moved the down payment up to 40% (which I don't have) just to see how it would change and it is still negative. I assume I am doing some part of this calculation wrong. If not, how can one generate cash flow without having at least 50% down? The obvious answer to me is to stop looking at properties in this price range but that doesn't seem like that can be the solution. Any advice would be greatly appreciated!