Self Directed 401k/IRA Intricacies

[Ben Smith]

Hello All,

I've almost been getting more and more confused the deeper I go into the self directed Solo 401k/IRA information.

I have 3 accounts from my past employment that include a 401k, a Safe Harbor IRA, and money in a regular brokerage account that was a employee stock purchase plan. I'd like to put it all into one retirement account that I can invest in my LLC with.

Is there an option that gives me access to ALL of those monies? I feel like everything that I've read says that an IRA only gives you 60 day windows for a "loan" that is capped at 50% of the account balance and the 401k gives you a longer repayment period for a loan but is also capped at 50% of the balance. I thought that using a self directed account to invest in RE is actually the same as investing in stocks and bonds but I spoke with one SD custodian and he made it sound like the disbursements (for lack of a better word) from a self directed account is still actually just considered a loan and therefore still has to adhere to those regulations.

If anyone can give some clarity on the subject I'd be very grateful.

Ben