We both have jobs and me being self employed I can cut back on hours more easily.

I also have a 401k that I want to move into a self-managed account and potentially do some hard money loans with it.  

As a real estate agent, you are what you sell, so you have to brand your true unique self as you really are!

Fixing the self created, and self limiting problems is the most valuable, because these are the simplest problems, and the ones that will have most impact on your ability to help other people fix their problems.a good credit score is reference that you can properly manage resources, without it, it's hard to convince someone you have that skill.

I self manage my properties.

If I used that it comes out about 25k less than the county tax assessment. 

As self employed folks, we generally end up with no doc type loans.

I'm presuming this is your first purchase - If So, Opt Out Of Contract and move on - there is always another property that will come on the market. if the property is located in the Austin Metro area, I'm aware of several Foundation Companies that do FREE Inspections - that will give you an honest assessment of the situation.

What strategies are best for the 2 types of self directed accounts?

My objective is to build a nest egg that I won't touch for 20 years or so, and I have a pretty small appetite for risk in this portfolio.