What are some sensible ways to find financing to cover the $3000-5000 earnest money? 

Yeah, my girlfriend is an agent; we have it covered 😎

Here's a list of what I do use thoughAlliant - 3% of ALL purchasesAmazon - 5% off all Amazon purchases Amex Blue- 6% groceries, 3% gasDiscover - Revolving 5%Chase Freedom- Revolving 5%Lowes - 5%  (for those remodeling projects)I've covered pretty much all my big spending places with those cards and with a base 3% cashback to work with, I've already beat out the 3 to 1 points by the points cards

@Mark Hooks, the BP site has lots of blogs and podcast that cover some of this information. 

Also, as has already been pointed out, 5% is not conservative enough to cover both maintenance and cap ex.

Seems they cover 90% LTV.

Normally you have to cover the who, what, when, where, why and what ifs.

It is a federally covered securities.

@Phil G.SEC regulations cover those penny stocks and other market securities, in addition to the investment brokerage accounts.  

Both frivolous, but did require attorney, which insurance covered.