So, I think I am missing something here.
In my php.ini, the extension_dir is "./". I assumed that it was in /usr/local/lib/php/extensions because when I used pear to install ssh2.so, that's where it placed the module.
So in troubleshooting my last error, I change my extension_dir to /usr/local/lib/php/extensions, where my module is, restarted apache and now it works.
So I guess the question now is, how can I tell what php thinks "./" is located? Once I know what the path is to that, I can copy the module there and I should be good to go.