Also, have you looked into self-directed IRAs for real estate investing?

Some people use their IRA to fund fix and flip's and keep the profit in them tax free. 

You have kids - do a 529 plan and max it out You will retire one day - max out your 401k yearly, IRA, Roth IRA (or backdoor to Roth IRA)You will have health expenses one day - max out your HSA From here I'd invest in Real Estate.

"Urged people to withdraw money from 401k/IRA and pay a penalty."

Or take the 40% hit now and put the $54K into a Roth IRA and do something similar.Best of luck!

They will lend you their IRA money.My friends and family lend me 100% of the purchase price AND rehab money.

However, here are a few strategies to explore:Local Real Estate Investor Networks – Join local REI groups, meetups, or Facebook groups where private lenders may be open to funding primary residences under the right terms.Seller Financing – If the seller is open to it, you could negotiate a seller-financed deal where they act as the lender.Community Banks & Credit Unions – Smaller local banks may offer portfolio loans with flexible terms.Wealthy Individuals / Family Offices – High-net-worth individuals sometimes fund private deals, especially if they see strong equity and repayment potential.IRA or Self-Directed Retirement Accounts – Some investors lend money from their self-directed IRAs for real estate transactions.Since you’re willing to pay higher interest for a short-term solution, a contract for deed (land contract) might also be an option, where the seller keeps the title until you pay it off or refinance.Would you like me to connect you with any potential private lenders?

I currently have a pre-tax retirement account with employer match and a Roth IRA invested in the stock market.

@Jason BibleUBIT exposure would be in the case of an IRA. 401k is exempt from UBIT on leveraged real estate. 

I started with a Roth IRA and now have a savings with them too.