I currently own two properties, one of them is cash flowing nicely in Arizona. 

@Jorge Garcia I am a lender working mainly with investors and am happy to run numbers for you on a cash out refinance.Alternatively, you can do a HELOC.

@Kevin DuongShort-Stay Rentals (STR) can bring in a lot of cash but also come with high costs for when guests come and go and tough rules.

I am looking to use the real estate properties cash flow to also build my retirement within this process and I am just not sure how I will be able to build for retirement as well as build my home. 

They essentially want me to set everything up and pay the upfront costs, then they will transfer everything into their name and pay the ongoing fees throughout the lease.

I'm having a hard time seeing if it's allowed for me to essentially manage the renting of my mom's single family property.

Additionally, the costs of fixed rate seconds and HELOC's could come down from the double digits or make cash out refinances more feasible to tap equity for those with low first rate mortgage loans. 

In my experience most condos or townhomes don't cash flow well.

I’ve bought 14 SFR that all cash flower well from my cash outs.

The cash flow would then be used to repay the PML, possibly faster if the home appreciates in value.