A misdemeanor capable of 6 months county and $1K fine, plus lawyer fees,costs, etc. each individual. 

., but there is nothing that really beats the experience of working with someone who has done this in the past and learning from that individual.  

Private Lending, you could find an individual with lots of money that is willing to lend it out to you if you find a smoking deal.

in 2 weeks, reversing the method of applying for PPP loans/grants for partnership.https://home.treasury.gov/system/files/136/Interim-Final-Rule-Additional-Eligibility-Criteria-and-Requirements-for-Certain-Pledges-of-Loans.pdf"...However, if you are a partner in a partnership, you may not submit a separate PPP loan application for yourself as a self-employed individual.

Your 401k gets certain tax advantages that you don't get as an individual, so I would recommend still keeping those contributions in place. 

My Brother and I were debating on the subject of if an individual could have more than one Government backed loan out at a time ie.

Unfortunately you need to have volume in order to attract qualified individuals to work in-house.In the end my advice would be to pay for a good contractor and add time for them to fit you in their schedule.

Like each person has their own name/account so you can track individual distributions as opposed to collective distributions? 

Thank you for tagging those two individuals and including the link to join their organization.

Anyway, you can get a free account that holds up to 2GB of storage: https://www.dropbox.com/basicOr they have paid accounts if you need more storage: https://www.dropbox.com/individual