Or any amount of cash you take out from the exchange are considered to be profit. 

@Yooni ChoiFor a first property, $100/month in cash flow might not be ideal, but it’s acceptable, especially with a house hack.

Is it your actual savings or was this saved to invest, because there's no such thing as "excess" cash. 

Personally If you like your current residence and hope to stay there long term I would forgo major improvements on my primary and use all investment savings to make you more money and cash flow. 

Want to save ALL the interest?  

Definitely don’t cash out your retirement funds.

We're trying to decide whether or not to pay it off or save to buy another property. 

I have a property I’m looking at in Missouri that’s about 1,400sqft, and not sure the difference between a Cash and a Novation offer. 

How do others manage to create positive cash flow from MF properties with debt?

Because of this, most buyers come with cash or use short term seller financing.