All of the posts or YouTube videos I've seen subtract the other unit or units rental income from the mortgage and say that's what you'll be left to pay.

Money not recovered is still a loss.Cash flow negative is a constant, accumulating loss...that as it adds up (see subtract), it just puts you more behind.  

Sometimes this is referred to as your "Strike Price" which is calculated by taking the sales price and subtracting allowable (commissions, closing costs, tax stamps, exchange fees etc.).   

Subtract closing costs and you'll net $43k - $45k, so you're not going to get much cash back after the refi, but you may be able to get a lower rate.It may be worth the lower rate if this is a long term hold.

Subtract another $5k for two closing costs and you come up $27k short of paying your friend back.

If you sell the property at $180,000 then you subtract your loan of $95,000, take away the costs of the rehab/initial investment - $70,000, and you make $15,000.

(XXX) XXX - XXXX.2) have this number go to a Google or Grasshopper number that transcribes each call (but does not actually ring anywhere) and see how many call you get over a 10 day run (subtracting any duplicate numbers).3) you can even fine-tune the price to see what the sweet spot of demand is

Subtract your basis or total cost of the asset and you have your profit or equity that has been created.Very similar to flipping a house just bigger numbers.

Then come tax time I completely disregard that portion of my expenses which would have me subtracting all of those payments replacing them with the interest paid over the course of the year, the insurance that was paid over the year (seems to be in monthly disbursements), and the taxes that were paid for the year?

If the property is worth $1,000,000 and you subtract $200,000 reverse mortgage and $500,000 in rehab you still have $300,000.