I inherited her IRA (traditional) with a balance of around $130,000. 

@Nathan G.If you have qualified funds (IRA, etc) , you have the funds!

I currently have a Checkbook IRA that I invest in Mortgages.Since I started the process I have had some issues with the company that set up the IRA.

Non-institutional, I would consider, an individual lending out of their IRA or something similar.

I have a self directed Roth IRA that IRA services set up and they are the custodian.I have a solo 401k ROTH that's setup by discount IRA. 

This is slightly related but may help.With a Roth IRA you can take the principal out at any time tax and penalty free. 

@Mark Nolanthere is a chapter on Self-Directed 401(k) AND Self Directed IRAs.

For example, a high level member's rate is 3 + 13 and NO profit share.Additionally, investing in the fund as a lender is something anyone (who, perhaps, might be looking for a better ROR in their self directed IRA) can do.If it's something you're still considering, just call in and talk to someone.  

When I broke my 401k out of jail and rolled it into self directed ira, I planned to continue buy and hold with financing. 

@Manny RiveroAlso, take a look at IRA Wealth.