First property: need opinions

[Luis Vilar]

HI BPers! 

I am in the process of buying my first multi-family property with the purpose of house-hacking. The inspection just came in and I need to replace the roof. I am approved for an FHA loan. The dilema is:

1. Should I tap into my IRA and take the 10k I have penalty free to use it to repair the roof .

OR

2. Should I talk to my lender and try to get a 203k and include the roof and some other repairs on the loan. 

Ideas are more than welcome.