I do not have the utilities in my name…Thank you!

After recent significant increases in property taxes, homeowners insurance, utility costs, supply costs, maintenance costs, and construction costs the margins are thinner to a significant degree.

Therefore whether its a "cash" or financed transaction, it shouldn't matter for the seller unless the seller doesn't want to deal with the financing contingencies/feels a buyer who is reliant on financing will be a risker transaction or they are a wholesaler in which many times complicates the ability to utilize financing. 

For a commercial loan at 7% over 15 years, you can use an online loan calculator to estimate your monthly payments.

Hi Brian,You're on the right track, but to determine if you're truly generating cash flow, it's important to look beyond just your mortgage payment.Here's what to consider:Income: You're receiving $2,100 in rent, which is great.Expenses: Besides your $3,232 mortgage, you likely have other expenses like property taxes, insurance, maintenance, utilities (if you cover any), and potential vacancy costs.If your total rental income exceeds all of these combined costs, then you're generating positive cash flow.

If you do then you can utilize losses to offset your active income but if not, you are limited with how much depreciation you can utilize to offset your active income.

I would love to hear any recommendations of online resources and/or podcasts to understand the market better, as well as RE investing in general.

Taxes, utilities, maintenance, cleaning, marketing...Gross income doesn't mean squat to your wallet.

You should utilize resources like BiggerPockets, build a team, and use online platforms to find potential properties.

Check out other online guides available here: https://www.biggerpockets.com/guides3.