Everyone wants someone else to pay for everything that happens to them as if there are no such things as accidents and there will always be someone there to pick them up when they trip and skin their knee.

They have already shown a recent history of not doing so (i.e. their mortgage).The double deposit is enticing because it increases skin in the game but I'd still rather have a highly qualified applicant at a lower price.

A bank can re-appraise your loan and decide if you don't have enough skin in the game, they will demand you put more money down.This, from what I know, has only happened twice-Savings and loan crisis (1990s?

They have more skin in the game then you do.Make sure you get clear title.

@Jason DiClemente is a 700+ credit score required for hard money lending or just the 10% and 3-6 months “skin in the game”?

Real estate agents, property managers, attorneys, etc don't have the skin in the game like an owner does.

@Anita Muhammad generally they want you to have "Skin in the game". 

They have more skin in the game then you do.Make sure you get clear title.

Im trying to get my first flip going in the San Antonio Texas area I have some money saved up but my question is how hard is it for qualyfying for a hard money loan and has anyone used one as means of flipping there first property how much do they usually as for skin on the game for first time fix and flip ... also any good recomandations of some you might have worked with  

Until you build a track record with a private lender they will surely want you to have some skin in the game so there's that side of things you have to resolve with them.