My PM used to use a software rentec, and rentec would give you a running tally of cash in/cash out across your whole portfolio. 

. - Lastly, if you are looking at real estate as a long term buy and hold strategy, you have to look beyond just cash flow.

Look for both cash flow and value add.4.  

Out of pocket cost to purchase (DP 20%): $135,200Monthly cash flow: $5,400 - $4,000 (mortgage) = $1,400Months to recover only DP: $135,200 / $1,400 = 84.5 It will take you about 8 years to recover your down payment.

If it's cash, then you need to write yourself a check. 

The same lender said if they could come up with the other 5% they can go 30 year fixed interest only..This is more attractive for cash flow on a higher loan balance but will still be qualified based on the fully amortized rate and payment. 

Ideally we would like to cash flow or at bare minimum break even.

I bought a house with cash from pulling a heloc on my home, off market, unappraised (deal was a no brainer in a great part of town.) 

Are you saying you will actually need to possess the 20% difference in cash to bring to the first mortgage closing?

A good starting point will be to pair with a with nationwide lender (if not all cash), check in with @Joseph Chiofalo for financing without a US credit score.