If you want a $0 taxable event for this, the only solution is to take the full gross amount and place it into a Traditional IRA, coded as indirect rollover (not contribution).

You replace the 20% with your own money. Then you get the withholding back next year when you file.

So if it was $1000 and you netted $800, come up with the extra $200 yourself and put $1000 into the IRA as a rollover. Then you get the $200 that went to the IRS back next year.

Pretty much everything else you're suggesting either still make this a taxable event, and/or still include the 10% penalty.

https://www.investopedia.com/terms/i/indirect-rollover.asp