Subject: Re: Capital gains tax
<< If I sell from IRA, i need to pay 10% penalty + income taxes, but I won’t have to pay capital gains tax.>>

Not sure if this applies or if it makes numerical sense to your situation but the 10% penalty for early withdrawal can be avoided by doing a 72t withdrawal. Aka Substantially equal payment plan (SEPP). It’s possible to designate a subset of the IRA account that gets SEPPed. Only hitch is the withdrawals have to continue for the longer of five years or 59.5 age. FWIW