I haven't done any crowdfunding ( though I would be interested to see how it works for you).There are other ways to raise money though.....Loans,Partnerships, private money, hard money, etc.If I were you (and this is just my advice so take it or leave it) I would find a partner with money, offer to do the sweat equity.....put together the deal, maintain the property, manage the books, etc and let him just give you the money.Hope this helps....keep us updated!

I have money, currently invested in the stock market, that I would like to use as a private money lender with experienced RE investors.

Please forgive me as I am new to the concept of private/hard money lending.

A large amount of savings is a good thing!

That aside, if I were, then I'd likely either go out of state as a lender which is more passive or as a partner in a private placement (syndications, etc.) whereby if the general partner makes more money it means that I'm making more money too ...

I manage hedge funds and private investors in the Memphis area.

But then there is saved mortgage insurance because I brought the 20% cash but they are getting the advantage of it.  

Erasing any potential savings we had, and a lot more headaches. 

Can the certificate be resold (privately among investors ) ?

.- Extensive work experience in wealth management, tax, private deal structure.- Success track record, creative problem solving, and great eyes for beauty in making ugly place beautiful while not spending a ton of money upgrading.- Since 2002, experience in SFH purchase, buy and hold, remodeling, property management.What gets me going:- Folks with track record in apartment investing to check out my financial model on this deal- Local Chicago Team with proven track record in apartment: contractor /inspector (subcontractor - plumbing, electrical, roof, exterior, interior upgrading), property managementThank You!