Use the compassionate side (trust me I know this is super irritating). 

That is reality because the receiver of the info has no skin in the game, nothing to  hold them to the "advice".

As you can imagine, it drastically cuts down on the amount of water use when the tenants have skin in the game.

We’d bring them back up to the house , skin em and sautee with butter and garlic..

Borrowers need skin in the game.

Many ways to skin a cat. 

To me it feels more like a game of chess, to my wife it was a lot more emotional, we had a couple tenants that really got under her skin, at least in the beginning.

And most will be able to pay the taxes when they come due, and put on a new roof, and put on a new coat of paint.As well as replace the carpets, cut the grass on a regular basis, replace the windows, reseal the chimneys when the liners crack, etc..It's unlikely that that these homes will fall into the slum category in 10 years or so, and make the asset underlying the loan virtually worthless.Or just vanish when the place starts to fall apart too much, due to no down-payment (no skin in the game 100% loans).Said the lawmakers who approved this.

So I require skin in the game (average is 5% to 15%) to offset this.

I know there are some people out there who do this and put an assignment in place to be recorded if the loan defaults.As with so many things in REI, there are multiple ways to skin the cat, and it has a lot to do with your level of risk and your partial investor's level of risk.I do teach a 4 hour live class on this.