We did this all ourselves with our own funds for down payments. 

The dark side of real estate syndication that nobody talks about  That and the sponsors not doing a capital call but raising a debt fund that will have an equity position in that deal so they can continue to collect fees but now investors are further down the capital stack and more likely they will lose even more money....

In actuality the lender won’t lend because title companies won’t offer title insurance until the 2 year period expires.  

I run an independent real estate brokerage and property management company.

Do you recommend any wholesaler that operates in the DMV area, or any nationwide company that's trustworthy.

First option is to sell the house immediately and utilize those funds (~100k) to supplement the cost. 

Anyone have any good Closing Title Companies that work with investors here in Southern California by Riverside County, Los Angeles County, or San Bernardino County?

For us residential, it's the traditional lender that feels the pain.However as OP is thinking correctly, the gap or spread between riskless CD and equity investment is narrowing, maybe it's like 3% only at max.However, just think about if , if public interval debt fund like NICHX or Cliffwater can give me 8% why I do need to invest at multifamily equity. 

One LLC bank account of SDIRA has extra cash which not enough or read to put on property yet,  and the bank gives money market interests, which is under 2%. The banker said to get higher interest, such as 5% needs to ...

The rates for our loans for investors including DSCR loans, Fix-n-Flip Loans, and Ground-Up Spec Construction (as well as the rates for consumer Conventional, FHA, VA, and USDA rates) are driven by Treasury Rates as opposed to the Fed Funds rate, but there is a loose connection.