They all (in my experience) require the borrower to have some skin in the game.

The other thing you can ask for is a cosigner from someone with better credit.Usually they move on to another landlord with lower standards but I have people jump through my hoops and with the extra "skin in the game" they have been better than average tenants.

One of the things that some people do not like with the newer lights is the white light versus the yellow glow from the older bulbs.

I understand wanting folks to have skin in the game, but I have never understood why folks with the capacity to do otherwise borrow hard money at 65% LTC.

Using HML you will need skin in the game.Conventional requires 20-30% down if the property (and your credit) is even bankable.

I can bring in around 10% of costs as skin in the game.

Because they have no skin in the game.

All rooms infested with bed bugs of all sizes,people wake up with poison ivy type skin condition.

.#4 came out clean, good review, or nothing but their sites and products#5 had sooooo many unsatisfied costumer...unethical, ripoff, scam I was shocked.....granted they were directed to particular agents or agency none in my area.Reviews of their agents were glowing and professional.I'm just really confused.My goal, is to get license, so I can be trained to sale my flip and buy my other investors property.I will be part time RE agent and full time investor until fall when my son is in full time school.Where I can dedicate more timeBc my husband and I plan to obtain more buy/holds, I'm thinking getting my broker license so I can legally property manage in PA.And advise is welcomed.Thanks in advance

In addition, you need to make sure you are saving money for a down payment if you do not have one already, because almost anyone who would be willing to lend to you will require you to have some skin in the game.