Think about dealing with the cable company, a big banking institution, or government.

There was a law passed that allows for plans to let participants take out distributions without having to pay the penalty, but 1) its not a requirement that the Plan allow this, each plan has to choose to adopt the measure and not all plans are, and 2) The distribution has to be because of some hardship due to the pandemic, not just because you want a distribution during the pandemic.

If an investor doesn’t participate in the exchange, we pay them out and it won’t impact the ability for other investors (will be the majority, if not all investors) to successfully participate in the exchange.

I'm looking for suggestions on banking institutions, lending terms I should be looking for (30 yr fixed, 25 yr because its a partnership), typical interest rates, etc. 

Tough to convince any institutional lender to loan you $20K. 

With an equity partner you will likely need a private loan not an institutional lender.

I'm interested in participating in the zoom call.

However the lender sold the loan to another institution and they want us to jump through hoops once again, just to borrow the remainder of the money, even after the large down payment. 

I have participated in several Calls to Action to send these emails out and in each case, I receive communication back from my Representative, one that they received it, and a second later on addressing it. 

DSTs generally come with already placed institutional debt that the investor assumes their share of.