HML Requirements for "Skin in the game"

[Alfredo Alfaro]

Hello everyone, 

I was wondering if HML "Require" that the 15-20% be "your" funds or if it can be from your partner, if in a partnership, or if it can be from family or a PML. Just asking if the funds strictly have to be your funds and if those funds have to have been in your account for a specified amount of time. I understand that HML should be fairly easy to attain but it seems like some of the requirements that are asked of are somewhat the same as traditional lenders on some of the requirements.

I have funds currently but want to know if alternatives for the 15-20% are available.