For example, I will borrow smaller amounts on occasion just for expenses and have returned 30% in a matter of weeks.

Purchased at $180,000, borrowed at $200,000 (some of it financed closing costs and some of it, rehab funds).

What do you know about the borrower?  

It is likely that escrow will verify employment of the borrower and check some other information before they release funds.

Borrower shall occupy, establish, and use the Property as Borrower’s principal residence within 60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower’s principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower’s control.Is this just boilerplate?

I have been thinking of buying a place for ourselves with a down payment of about 100K which I will borrow from my parents cause they can take about 100k equity from their residence. 

Interest rates being lower will make it easier to borrow money and it will also increase competition in the real estate market place as people seek yield.

Guys - I HAVE to stop letting people borrow my books.

An alternative strategy would be to borrow from your plan for the down payment (subject to the limits) and then you would obtain financing and own the property.

This caused a lot of proceeds issues with refinances, not issues with borrowers/properties qualifying.