I think I would look at financing if you can get a good interest rate. Your tax situation over you life would be important so ask your adviser if it isn't better to let the IRA alone.
Question if you paid taxes on the IRA funds how would this compare to interest on the loan. Would you be better off with a personal loan and taking a little out of your IRA each year to pay off quicker than just monthly payments. Assume you do not have withdraw penalties due to age.
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