The people who buy here are buying for experiences and memories, not so much investment return.From speaking with other financial entities and members of the community, we are looking for partners to assist in offering loans of some sort, such as:1) Direct loan to buyer of house (less a down payment), and then payment arrangement between loaner and the buyer2) Loan to the cooperative as an entity who then administers the loan between buyer and cooperative, with payments paid back to financial organization from cooperative3) Loan to buyer with cooperative as co-signer, therefore making the cooperative the ultimate responsibility in the event of default4) Create a member-funded reserve fund or actively managed account which will then be used for giving out loans to new members at an interest rate.

Again, it's about problem solving, so find out what the companies don't like about these arrangements.

This means that when that arrangement is desired you will need to produce a separate document which deals with all the terms of the trade clearing or modify the contract.  

@Kurt Pourbaix I agree with other responders, as described this sounds more like a joint venture than a lender/borrower situation.However, talk to your accountant, there may be ways to structure your arrangement so part of it is lending (with interest income & principal repayment) and part of it is investing...if that would be helpful to you and your tax situation.

I like especially when they contact me and arrange an hour slot to just talk/intro ourselves.

Another big factor you have not shared is what is your payment arrangement.  

I could see this working under a Seller Financing arrangement.  

Call different companies to see who would work with this arrangement.

This arrangement worked well for flips that were turned over in less than 6 months.

Also references from other people that say that you keep a neat and clean houseThen I would do some kind of lease purchase arrangement and not a lease with option, will you put 3% into an account, Lease for 12 months, keep your credit strong, and then buy the house.