I have 100% equity in my house (no mortgage). I want to remodel it for
sale. My only source of income is my IRA. I don't want to use that.
What can I do ?????

Go to your bank and ask for a Home Equity Line of Credit. (HELOC)

This is the least expensive way to go for many reasons. Costs and
flexability are the two most important. You do not make payments on
the money until you use it which is great. Second you avoid many costs
associated with a regular loan. But make sure your not actually
wasting money. The National Association of Realtors as well as others
put out lists of what brings money and what is not wise to spend money
on as far as return in a remodel. A web search should tell you.