What do you mean by borrowed money? I don't think I agree with you. The VOs are not interested if its a borrowed money or not, the only way that raises concern to them is if it was a loan letter submitted as a proof of funds which might make them be curious for the authenticity of it.
If there is a gap in your studies, the VO expect you to be working and you need to show your own personal BS along with that of your sponsor.
Even if you show properties, it will only counts for home ties and not proof of sufficient funds to cover the living expenses.
One's own personal BS suppose to show the $10,000cad required for living expenses for the first year by CIC while the sponsor's BS will show enough funds needed for the sponsorship support for the subsequent year.
If there is a gap in your studies and you submit just your sponsor's BS, then you might be rejected for "financial status" which is mostly a common reason
I will advise you
@Mmalik99 to submit both your personal BS and that of your sponsor if you have a gap in your studies but if you don't have a gap, your sponsor can state it in the sponsorship letter that the amount in your account was paid into it by him which is required for your one year's living expenses, and also you can state in it your SOP too