As they described it, the principal of the insurance earning interest wasn't diminished by the loan like, say, a 401k loan would be.

There is a common belief that recapture taxes diminish the value of performing a cost segregation study.

Here's an article that walks through whether recapture diminishes the value of a cost segregation study.https://www.biggerpockets.com/forums/51/topics/1192600-does-...

But with my diminished savings, I'm not sure if it's wise to jump in now or wait until I've saved up more.What would you do in my situation?

PMs who take time to teach tenants how to change out the air filters or how to shut off the main water or how to reset the breaker that trips will not only reduce service calls but will keep capital expenses down (changing out air filters regularly can diminish the chances of having to replace the condenser coils, for example).Maintenance repair surcharges isn't the only charge owners should look for in their PM agreements, but it is one of the more important ones that often gets overlooked.  

Especially with the rising age of the baby boomers, I can see a growing need for accessible housing for the elderly wanting to downsize or diminish the effort of maintaining a single family home. 

Or, you may be in a target hail prone area and current roof inspects as solid for at least another few years, which hold good chance % of getting hit by hail and thus diminishing your expense ~50% if not more if have right coverage. 

It's been a great market for me.Things to consider when choosing a market; population growth (you don't want a stagnate or declining population), crime/safety (high crime usually means more unqualified tenants and will diminish property value), state property taxes, tenant/landlord laws. 

The incentive is going to be to lean toward enlarging rather than diminishing their hours.

If you do, then your depreciation will be diminished.