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.

It is also a great idea to have the electric and water roll over to your name when the tenant has it turned off. 

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.

You piecemeal rollover the funds into a Roth IRA for some level of tax efficiency. 

I would suggest looking into a roth IRA rollover, however that in of itself is a taxable event depending on your mix of pre tax and post tax dollars going over to the roth IRA.

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