Spam- Junk Making it through & none junk going to spam

Spam- Junk Making it through & none junk going to spam

Hi,

Either the zoho spam filters are complete junk or I have something set up wrong.  If you can please help me that would be great. 

For some reason a lot of junk is making it to my inbox.  And even worse zoho is flagging false positives of legit mail and putting it into my spam folder. 

To the best of my knowledge I have SPF and everything else enabled correctly.  What am I missing?

Thank you in advance for your help,

-David