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?

Not sure if that's true or not.From the water intrusion and the damage from moisture to the walls that was fixed, I don't see this as catering to a random whim or wish.   

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". 

That can cause moisture to build in the attic in your area.  

Moisture is liable to get behind it.

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