I’ve put a bit of money into the building and it has appreciated quite well.

It’s best to consult with your attorney and tax professional to figure out what works best for your situation.Usually, there are NO tax savings with both.

@Keaton WrightGiving quality and sometimes very detailed answers in the forum takes us quite a bit of time (and therefore money) for which we're not remunerated.

Do the seller finance buyers then get a judgement against you for the money they've already paid? 

Most likely if you rent it, it will not cash flow to cover the mortgage so you could still be losing money every month.IT would be good to compare what options is better for you. 

How much time do you have to chase the money from the PM or from the tenant?

born/raised/ and ivested in houston my entire life. ive been selling all my single family one by one in the lasat 2 years. nothing makes sense to buy. taxes and insurance hit us hard like many others. i'm not an LP or private lender kind of guy so ive been just stacking money into a money market fund and waiting.what is everyone else doing to find cash flow?

For the money, ~$150/month, we have not seen a better system.

I plan to build versus buy because Im currently working for my father, who is a general contractor in Fl, and will save on the construction costs because I can do most of the work for little cost other than materials. it would be minimum labor cost and no profit cost from contractor.

The Refinace loan should get you most of your money back and you can go do it again.