If the borrower declares bankruptcy or folds their company you will be the last in line to be repaid which means you will not be repaid.

So I'll have to borrow the wife's car (hatchback) and hope the arms fold down so that I can get the mower over to the house tomorrow.Additionally, our stairs arrived.

Welcome to the fold! 

So this post is two fold. 1st, has any one heard of this start up that is less than a year old?

You folded pretty quick with a few comments. 

Converting your term policy to some type of cash value would be poor financial choice, your premiums could easily increase 10-fold for the same coverage.You can use your Roth and Traditional IRA (and 401k) to setup and moved funds into self-directed IRA, which would give you the freedom to invest into any investment opportunity. 

Alright BP family, I've reached a crossroads. I have 2 houses. One I rent and one I live in. The one I rent I bought after the crash of 08' so I cash flow good on it. The house I currently live in in bought last year ...

If you take an attitude that there are those that know real estate and then there are all the newbies who want to leach off of me, you will only limit your own learning and success in real estate.Every "newbie" I have ever helped has paid me back 10 fold in knowledge, experience, funding, or deals.  

If a income property can not still cash flow with 100% financing it is a poor investment as a income property.By using leverage you maximise your returns multiple fold.Partner with your father, his money, your management and purchase 5 properties with leverage instead of one with cash and multiply your returns 10 fold. 

Welcome to the fold @Davin Ramage !!