I asked them to move a different electrical outlet that we never discussed).What irritates me is his dishonesty; for example, charging me $1k in materials, but I priced out all of the materials myself and it barely exceeds $300.I'm fine going to court and representing myself - I'm trying to figure out that if it came to that point, if I'd have a winning case or not.

Since money is at the root of this conversation, few people with skin in the game are neutral.

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

I have seen/heard of HMLs doing 10% down and 100% rehab, but have not come across one that does not require any skin in the game. 

The occupancy is an issue, but the bigger issues are the condition of the property, the short term renters and lack of any skin in the game from the borrower.Most lenders I know would want to see the 20% come from the borrower, not the seller. 

I got a text from a tenant with the word FLOOD in it and about came out of my skin. 

They have skin in the game.

It doesn't sound like you are going to have any "skin" in the game, so basically you are a General Contractor?

Some coworkers of mine without much skin in the game have been bragging/wishing for "markets to tank" to "make bank" in the coming months.

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