Condensation, especially in fall and winter months where the engine isn't run long enough to "dry out" initial operation combustion moisture......but being milky, that would/should take a lot of condensation (opinion).
Drain the oil and replace it with the filter if any. Run the engine enough to circulate the oil and check the hygiene. If still clear, goo out and run the engine for an hour or so at WOT RPM. Shut it off and check the oil. If clear I would say condensation. If showing signs of discoloration, then you might be right on a leaking head gasket.....gotta ask yourself, how many 4 stroke engines are out there and how many times do you read about milky oil..........very seldom.