finding private lenders and private lending risk

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,