Can you use retirement savings as collateral

[Jaziel MaldonadoRoman]

Hi, I'm currently an active duty military member and I have saved up 14k on my tsp. I want to start my real estate journey towards financial freedom by buying multi-family and house hacking. I am aware that I can get a va loan with 0% down but I want to possibly get an FHA and use my retirement savings as either collateral or just withdraw the money suffering a penalty but having it on hand. What financing options do I have as someone with a fair credit score and no on hand money saved up. I live in Pierce County, WA

Thanks and I appreciate any and all the feedback