Found a great deal for vacation home. Problem is it's a HUD property. Agent and banker have told me beware of HUD. It seems like they want to impede the sale. The property only costs $40,000. I have $17,000 in cash but thought I would get a mortgage and only put $8,000 down. I have also thought with all the headaches working between HUD and the bank I would just take the rest out of IRAs. The problem there is taxes. Any thoughts as what would be best?