May be you meant that the IRA has deferred-tax funds and not Roth?

Personally, I've felt the investment has been poorly run in almost every possible way.

The issue was a person sold their home subject 2 and the person who bought it stopped paying.

There is a lot of public info out there on their funds and how they are (not) performing.  

Personally, I advocate for a long-term investment strategy and would recommend investing the funds, provided you are comfortable with the expected return on investment over time.

Buying RE is nothing like buying index funds or stocks - Google it for 15 minutes, click on buy shares.

I am 59 years old, and my retirement fund is all in my 401k.

During the escrow/title process, you are finalizing loan documents, reviewing title documents (HOA disclosures if applicable, title reports, etc), obtaining homeowner's insurance, and preparing to wire your funds to title. 

I would not borrow from ANY lender I learned of over the internet unless I knwe personally people who had used them. 

.: I would go HELOC for sure that would be best as others were saying the lower cost for the money changes between paying a higher rate for a personal line and typically personal lines they want a higher monthly charge as well independent from the interest rate.