., depreciation offsets current cash flow and defers income recognition until disposition) and so are the retirement accounts (tax paid in retirement when distributed) so the tax burden on the money you are borrowing is likely not to materialize for many years.The delta between the 9.5% interest rate and 8.3% average return on the existing retirement account would result in more funds in the account if you take out the loan.

Replacing cabinet involves much more material and labor cost.

The potential tax savings, ideally four times the cost, rarely materialize at this scale (why?

Corelogic also,,,  so these data sources that are sub $99/mo are cheap in reality.An adage that is lifted from contractors;   you are better off with marginal materials and a top notch crew then best materials and marginal crew... 

As a fulltime W-2 earner it may be hard to claim REPS status, but material participation, cost segregation, and other strategies could benefit you.

Conversely, some are too alarmist and do not put things into the proper context.Example"This property has material in it that will make your children have development delays.

Stone and mortar foundation was never meant to be finished as the material itself is very porous.

Fully gutted and rehabbed home with minimal budget by doing our own work, finding used and salvaged materials and appliances.

Also develop a credit relationship with your material providers.

If you haven't been tracking your material participation, done a cost segregation, or any other techniques specific to real estate and just want someone to file on your behalf then there might not be a huge difference between H&R and a specialized CPA.