1. Broken seal on water pump ..... high pressure water gets pumped into crankcase
2. Pinhole in exhaust manifold ..... when engine is shut down (and both valves are closed on a cylinder - causing vacuum; water can migrate through the pinhole into the combustion chamber and leak down into the crankcase (plus starts the cylinder walls and pistons rings to 'rust').
3. Broken head gasket. Water is drawn into the combustion chamber on the downstroke of the piston though the broken head gasket ... is removed by 'steam' if the engine is still running; but, will be free water when the engine is stopped (similar to #2)
You may see 'carbon' in the freshwater side of the cooling system OR if you add the correct chemicals will cause a special dye to fluoresce (glow) when the water is contaminated with carbon monoxide (plus excess of CO2 when viewed under 'blacklight'.
4. cracked engine block or cracked cylinder head ---- see all of the above.
