So, you don't get the advantage of avoiding taxes on your contributions, but you do get to avoid paying any taxes on the investment income they produce. (gobankingrates.com)
Also, if you do need to sell in the time period specified, you can avoid the tax penalty by refinancing before you sell, from my understanding. (sensetosave.com)
Over time, investors have become better at avoiding taxes by investing in tax efficient ETFs, and tax shelters like real estate, master limited partnerships, and municipal bonds. (thecollegeinvestor.com)