I used cash to pay the down payment in 2024, then had several very expensive unexpected things to fix on the house due to being lied to by omission by the realtor, seller and inspector. In 2025 I had to pull from my IRA to pay basic expenses. Is there anything I can do to get out of the penalty? I started a daycare out of my home in 2025 also and have not had a lot of work until recently. Help?
