Since I have a high-risk tolerance, I'd probably invest in mostly individual stocks and some ETFS/index funds. 

Ultimately with the sellers financial situation, this house will go to foreclosure in the next few months and I want to see if anyway I can help this individual out and make a deal.House value: ~320kMortgage 1 on house: 130kMortgage 2 on house: 30kIRS lien: ~120kchild support lien: ~40kThe child support lien I know is not negotiable.

It was done by city, not by individual. 

A:"Individuals who operate a sole proprietorship or as an independent contractor andeligible self-employed individuals."

Curious to know if landlords are using Cozy for 3-4 tenants in an individual property or just setting it up through 1 of the tenants for the full amount?

For Sole Proprietors, Independent Contractors, and Self-Employed Individuals: The sum of payments of any compensation to or income of a sole proprietor or independent contractor that is a wage, commission, income, net earnings from self-employment, or similar compensation and that is in an amount that is not more than $100,000 in one year, as pro-rated for the covered period

The link contained in the Buzzfeed article contains a chart (image below) that shows over 75% (1,4568,000 of 1,928,300) of rental properties are owned by individual investors.

Small businesses employ almost 50%+ of our workforce but the big corporations get all the attention and bailouts, in this case its going to be way beyond the $2Trillion earmarked for individuals, more like $10Trillion.

Would it need to be a personal loan with only one individual on title, multiple people on title?

There are people who have bought 1-3 notes etc and I consider those individuals people who invest in notes - whereas being a note investor is doing this on a consistent basis.