I would try to do it under a self funded IRA ideally but there are prohibited transactions rules going that route.

The TCPA act prohibits both automatic telephone dialing with recorded voice and texting without consent.

For decades, exclusionary zoning laws - like minimum lot sizes, mandatory parking requirements, and prohibitions on multifamily housing - have inflated housing and construction costs and locked families out of areas with more opportunities.

I was wondering if it is legal to prohibit access to the basement in Massachusetts.

Unfortunately, it would be considered a prohibited transaction to use IRA funds to rehab a property that either you or your lineal ascendants/descendants currently own.

If you are an eligible individual for a solo 401k I would consider it over the LLC solely because you have similar access to the funds as you do with an LLC without the fear of having to justify being a manager of your IRA owned LLC and entering into a prohibited transaction.

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That's called dual tracking and is prohibited by federal law so, you are either wrong about it being in forbearance, or, wrong about the pending foreclosure, or both or, someone is breaking federal law (Less likely but still possible).Why estimate the equity?

I'm in downtown Washington DC, so prices are a bit prohibitive here.

@Richard Weinberg1) If you have a Solo 401k that supports a 401k participant loan you can simply take a 401k participant loan up to 50% of the balance not to exceed $50,000.2) The notion of loaning funds from your self-directed IRA to someone else (and vice verse) could easily be challenged as a step transaction where the step of loaning to someone else would be ignored and the transaction would be analyzed as a loan from your IRA to yourself which is prohibited.