Make sure to factor in insurance (slight change as rental), property tax (in our market is 2x a primary res), vacancy (3-5% in most markets), capex (old roof?)

Including monthly obligations and who will pay them, etc.

Any impending Insurance coverage or increases?

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

They are DESPERATE to find insurance and are striking out everywhere!!

Living in one unit and renting out the others allows you to deduct 75% of expenses like mortgage interest, property taxes, insurance, and shared repairs as rental expenses, while the remaining 25% applies to personal use.

It's near impossible to cash flow when most homes are selling for above $750K, Taxes and Insurance added in the PITI payment is higher than the rents.You can buy a Duplex 2 unit for example in either FL, IN, or OH and not pay more than $200K the rents are typically $1200-$1500 a door.

Insurance fell dramatically since a new roof was put on and I switched carriers. 

Get 3 bids from contractors, get a copy of their insurance etc.- verify the policy is current. 2.

Cash flow has been hampered by an increase in cost of ownership recently, specifically insurance.