If the buyer has no capital and is a recent “graduate” of a guru mentorship program and needs to borrow the earnest money, then disaster is predetermined. 

It's a way to set cash aside and allow it to grow with guaranteed returns and you can borrow against it at a low interest rate at any time and it won't impact your credit score.

This usually results in the borrower just doing a rate and term refinance or cashing out on the low end.

I can only speak from a lender's perspective, but we're going to want to see some "skin in the game" from the borrower.

As the borrower, being responsible with other people's money is also extremely important.

Quote from @Andrew Acosta: I stopped reading your list after just a couple paragraphs, because you aren't thinking it through.Paying off a mortgage may provide security, but it does not increase your return.If you pay off the mortgage and then borrow against the equity, you will be worse off than you are today.

I looked up everything & all now I am afraid to do anything with my rental as far as borrowing cause of this.

This is why I personally deliver and execute a personal guarantee rider on all my private investor loan money borrowed.

Instead of going through banks or credit unions, this method involves borrowing money from private individuals or organizations.A major benefit of private money lending is the flexibility it provides in terms of loan conditions, interest rates, and repayment schedules.

The contribution limit is the same as any IRA.Another thing to consider to avoid the taxes is to borrow from your 401K.