@Isaac Hayes I have never heard of a conventional lender doing this...you're looking at single family (1-4 unit) properties...unless you are using a renovation style loan or hard money, I highly doubt any mortgage originator using conforming guidelines would touch this...Down payment is skin in the game...a lender permitting you to retain your investment account without collecting your down payment?...

And yes, I have a CPA, but There’s always more than one way to skin a cat!

I would also want to vet their team (lawyers, CPA, lenders, PM, etc.) a strong supporting cast can compensate for a lack of direct experience.Do they have skin in the game?

It is 50/50 split & she had stated that in the past her GC has put in 5 to 10% so I have skin in the game and she will include me on the title for security until property sells & 50/50 split.

You can't ask the people with the money to bear all the risk, you have to have skin in the game.

Like others have said there are many different ways to skin a cat.

I don't think they are given a takeaway number here, it's more of a guide to decide if there is skin to buy.

It's been done since some cave man let someone sleep on his wooly mammoth skin in exchange for deer meat.There are 10000 homes for sale.  

Typically they don't need the cash but just want you to show you have skin in the game.

Once you get down to the studs in the walls and the floor skin is gone you can see where you are.