You sold some securities in your Roth IRA account and withdrew not in excess of your life to date Roth IRA contributions and then contributed that into a Traditional IRA account?

Investors (Members) receive a 6-8% annual preferred return on their invested capital.Proceeds in excess of the preferred return is split 70/30 (LP/GP) based upon Members capital contributions.At the time of sale or capital event, all capital is first returned to contributing members, excess proceeds are split 70/30 (LP/GP). 

Inflation is going to force people to tighten their belts, the "free" COVID money from 2020/2021 is drying up, and mortgage rates are going to continue increasing in 2022 which starts making these high prices less affordable. 

Personally, i would take the credit line then not use it, and put all your excess funds on the mortgate.

I do think you can get people for excessive noise only if you don't tie it to kid age but noise complaints are always hard.

I have heard often that just because one lender has a certain opinion that is not necessarily the clear cut and dry answer altogether. 

I see a price point of 10k to be excessive and doesn't seem like a great sale to me. 

If so, you can use a HELOC finance your excess equity on your house out.  

Although, because of the options for washing and drying they have a lot of computer chips in them and if those go bad then the price for parts and repair put you close to simply getting a new one.

Now that you mention it, i wonder too, hiring a structural engineer to determine this sounds excessive..