It used to be the case that you could borrow against engine times etc. And that a new engine would increase value. That's no longer the case, and especially twins and less desirable singles have a very nebulous value picture, making it hard to finance. It's unfortunate, but that's how it's going to be in the future.
Not everyone wants a syndicate. Even if it costs me more, I want to own my plane alone. Part of the desire of flying is to have full freedom. That freedom is gone when you have to share it with someone who might need it the same time as you.