My rate is 4.5% amortized over 20 years with a balloon payment due 5 years in that will roll over to a new loan for 5 years at the banks current rate doing so every 5 years until it's paid off. 

There are several things you need to be aware of such as UBIT, partnering with your IRA, rollovers, non recourse lending, possibly using a 401k instead of SDIRA , sweat equity, etc. hopefully they can help you do it the best way to meet your goals. 

I plan on using it for only fuel and paying it off every month before the charges roll over into the next month. 

You can roll over the 401k funds to a solo 401k.

No roll over allowed anymore.  

Recently joined BP and have learned much from the forums, articles  and blogs.I am retired, have an IRA with a brokerage, and would like to set-up a self-directed  IRA/LLC or Solo 401K and rollover a portion of that IRA to invest in real estate.  

Alternatively, converting the entire traditional IRA or utilizing a 401(k) rollover to a Roth IRA opens avenues for significant contributions beyond annual limits.Tax Implications and Benefits:High earners must grasp the tax implications.

I use the Mint app by intuit to tack my budget, and all categories roll over month to month.

I have a 401k with a old employer and I’m looking to roll over into a self directed IRA to borrow against to purchase investment properties.

That usually means that he cannot rollover the money just yet.