Using a Tax Deferred Annuity for down payment.

[Vinny Incognoli]

Hope all is well. I currently own one condo in Colorado and absolutely love that I am earning 16% on my money as opposed to the 1.5% from the bank.  I am in the process of searching for another unit, particularly in the same complex I already own in. 

My question is should I use the equity from my first unit or take out a loan againt my TDA? Many people have told me to borrow from myself. I would love everyone's input. Is this a wise decision to use a retirement fund as a down payment? It seems to make the most sense not to use my personal savings and use my TDA to pay myself back with interest as opposed to paying back the bank. 

By the way, I am 41 and can not retire from my current job for 15 years, although with my real estate plan I am planning on purchasing many more units and not wait for that 15 years. 

Thanks for your time and efforts. It is greatly appreciated. Open to any ideas and suggestions.