Alternatively, anyone know of any genuine private lenders that are open to this?

TIAErich your best bet would be to amortize it over thirty with a 5 year balloon. the issue with private lenders  vs. banks is private lenders use their money to lend and many times it may not keep up with inflation - so lending for that long does not make sense.

I sent you a private message in regards to this.

I'm looking for ways I can "protect" this private lender. 

Typically a holding company is used for large companies like walmart - who has a shipping/transportation company, a real estate arm, the arm that sells the products etc. 

Unfortunately, it doesn't look like that county provides that information for free online, BUT they do upload it to a private company that will sell you access to it online for a fee:https://www.courthouseonline.com/

There are hardship withdrawal provisions and others that can be exercised if you meet the requirements. 3) If you have access to a workplace plan, like a 401k, with a Roth component, you can consider that as well. 4) If you setup your Roth with a Self-Directed IRA custodian, they can allow you to invest in assets like real estate, private lending, private equity and other alternative assets. 

Try to see the big picture when getting started - maybe seeking private / hard money to get in to the deals where there is more profit potential could benefit you.

I’m currently working on 58 unit BTR development project and seeking one or two private debt investors to help fund it.

I have done Private Money Loans on auctions in the past.