For investors who need liquidity but want to avoid capital gains taxes or exiting the market, there’s another route: borrow against your portfolio instead of selling the stocks and ETFs in your account. Using leverage instead of outright sales means you don’t have to pay capital gains tax or forgo market exposure and dividend income on the shares you’d otherwise sell. Borrowing against your stocks instead of selling them might be optimal for your situation — but it could be a big mistake if you take a loan without a plan to pay it off. Here’s how to borrow against…