Thanks in advance

There are more buyers for SF homes, but Multifamily properties typically cash flow better as you mentioned. 

Build up your cash as you build your knowledge and network5.

I bought this home in 2013 and also did a cash out refi during COVID so buy interest rate is 3.875%.

We need the cash to mostly just tie us over untill we sell the property, so 150,000 is on the upper end; 80,000 and above would probably be sufficient. 

But in reality you might just want to think about using a standard savings account And taking a hit from inflation on the cash because the delta from the higher interest account to the regular account is not really that much on small amounts.

My first reaction to your post is if you're purchasing assets that are throwing off positive cash but your DTI is going up then it may be time to re-evaluate the type of assets or the expenses associated with those assets.  2.

Any laws against repaying the loan in stocks instead of actual cash?

When I drive for dollars, I just take notes of the addresses in my phone and add them to my propstream lists later.As for cash buyers, I don't think there's such thing as too many buyers on your buyers list, although you do only need one to close a deal.

Thank you in advance for your help!