The “Almost as Bad” Down Payment Source

It can work in theory… but I wouldn’t bet your next deal on it.

Right behind security deposits on my “please don’t do this” list?

Using your maintenance reserves as a down payment.

Now, technically, you could do it.

After all, that money is sitting there in your account—waiting for the day a furnace dies or a roof starts leaking.

So, yes… you could redirect it into your next purchase, planning to “rebuild it later.”

But …