But the real test of this company's character came with the most recent loan I tried to close with them.First, I thought the loan rate was locked, and it was not.

By the time you do that 4-5 times you should be able to have a paid off home or excess funds to invest in other assets.

Have you considered moving those funds into a self-directed IRA (SDIRA)?

How we funded itThis was a single asset syndication.

Partner Driven provided 100% of the funding, covering the $160,000 purchase price.

Do you have a property management company you use? 

WARNING: if you do not prepare for this, you can enter a death spiral: deteriorating properties lead to lower rents, worse tenants, more wear and tear, even less cash flow to fund repairs and ultimately erode asset value.I do not mean to rain on your parade, hopefully, this is a helpful long term perspective. 

For example, the insurance company offers you $100k.

We'll only do it if we can access the funds immediately. 

If your considering organizing a capital raise perhaps you should focus on large companies that advertise on the websites to be doing a capital raise with a debt offering.