finding private lenders and private lending risk

[Ayman Elmasik]

Hello,

I'm investing in Houston area doing flips (2) and buy and hold (1), I'm running out of room on my debit to income ratio to buy more properties so I was considering  private lenders as a way to get out of that.

Couple of questions

- where can I get a list of private lenders in my area?

- in private lending, who is really taking the risk of the project fails?

Thanks,