That is good percentage breakdown, from my perspective. 

@Chris SeveneyGreat to hear your perspective! 

If you are that far below market rent, then you should consider terminating this lease and starting fresh with a new tenant at market rate.

Lastly, and most importantly from a lending perspective it could be a little more difficult to go from an owner occupied 2 family to an owner occupied 4 family.

I enjoyed reading your post and the sense of newness and freshness of the start of your journey.

Quote from @John Federic: I ran some numbers for you using the Cashflow Analyzer Pro from AssetAFC.com (see the attached picture).From my perspective, this deal still looks acceptable, even though it won’t cash flow in the first year, assuming a 5% vacancy and 5% for repairs.

Who would lend 50k+ to a grad fresh out of college???

So not only do you have to do the rental numbers from a monthly perspective but you have to assess what/how much capital you have at this very moment and where is the best place to put that capital into.

Reminder that from the CRE perspective, the following are "single family" homes: condos, single family homes, duplexes, triplexes, and fourplexes.

Thanks for the local perspective.