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I'm having a horrible run here. If I loose the bonus $100 can I just cash out my remaining $100 or do I have to complete the WR before I can cash out?

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Just for future note, almost every casino you have to complete the wagering requirements before withdrawing. There are only a rare few where this is not the case.

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2 that are no risk are William Hiil and Intercasino. Definitely hit these up when trying to build up your roll. They also offer monthly reloads which I've done nicely on.

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you still have to clear the WR of that site for the next month so it doesnt change the EV of any of your bonuses except make it -EV as this is against their terms