Getting Started...am I Missing Something?

I have been reading posts here for over a year and have seen many entitled, "No money down for __-plex." When I try and do the math it does not seem to compute as far as having the property cash flow. How do these investers do it?
I have saved up nearly $10,000 dollars, can pay up to $300.00 per month in expenses and have a credit score of 800. It seems like I need more money down to have a property that breaks even.

An example,
tri-plex selling for $264,000
monthly rent $2085 total
taxes monthly of $417.00 (5004 annually)
insurance $75.00/month (estimate based on my own
home)
mortgage $1732.00.month (that is with $10,000 down
and a 7.25% interest rate)

It looks to me with this formula I would be paying $139.00/month out of my own pocket, not including any upkeep expenses. The tenants pay for heat, electric, and water & sewer.

Am I ready to get in the market or should I wait and save a few more years?

Any guidance would be appreciated. Thanks!