I have $15K in old 401Ks that I could rollover into a SDIRA and I have $15K in cash saved up.

I also read that I could rollover to an IRA and withdrawal without penalty but not sure how long the process would take. 

I would like to have that in my back pocket in case I run into any issues when it comes time to roll over to a mortgage. 

I’d like to purchase it but all my money is in my rollover Ira that I could find the purchase with.

You may avoid the taxes if you deposit the funds in an eligible retirement plan (which includes anIRA) within "3 years and a day" of the date of the COVID-19 distribution (note: compare to a 60-day rollover).

@Neil McCartyIf you are self-employed (i.e. active self-employment earned income separate from your w-2 income) with no full-time w-2 employees, you can set up a Solo 401k and then rollover your 401k funds from your former employer 401k and/or non-Roth IRA.You could then take a loan of up to 50% of the balance not to exceed $50,000.

@Brendan August1) A CARES Act Distribution of pre-tax funds from an employer plan can be paid back to a non-Roth Rollover IRA.

That “rollover” satisfies “paying back” the distribution thus no taxes have to be paid.

Although you wouldn't be limited to the amount you could rollover.

What happens if the neighbor ignores stakes, roll over them, take them out?