I would use a home equity loan if possible to get a lower interest rate and be able to negotiate a cash deal for the motor home. You also will be able to deduct the interest, buy the home for cash (hopefully at a lower price) and not pay any taxes on IRA money. If necessary pay the HELO with IRA money but only withdraw monthly as needed.
A lot may depend on tax bracket, available HELO or finance rates of interest from the dealer where you buy or bank. Run all possible options and make the best decision that works for you.
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