water can get in many ways, NOT specific to your machine,
but it can get in from /at at fill port/;s, dip stick and tube, if loose or broken, or cracks in things or seals on them, vent lines, air filter,. exhaust(if started with them under water it can suck it in, or if just gravity allows things to let it in, or puddle around them, ) condensation can also cause water build up in cases including motor oil, temp swings tend to cause a lot of that pending where being parked and weather in your area!
those are the one that come off the top of my head!
How often is your oil being changed, and checked? to see when it goes from good to contaminated, maybe, you can try checking more often to try and monitor when it starts to get diluted with water and back track, on weather and when and where and how its used , like used while its when raining, or on muddy sites with water, or being parked!