Time is really the issue here.An update is we have the agent who previously put the deal together but who now has no skin in the game involved as he knows the family of the note holder.

I also turned a spare bedroom into my "dressing room"...basically a walk in closet, complete with a reading chair, craft desk, and cushy sheep-skin rug.  

Hi,I really doubt there is a Hard-money product out there that will lend you 100% with no "skin in the game."  

I will say you cannot come in expecting to have no skin in the game or expect to raise $500k on your first flip ever.

Unless you're willing to pay a lot more in monthly payments (think 8-10% interest rate or more) and/or pay a lot more up front you're not going to find somebody interested in this.A lot of banks got burnt during the downturn and they're not interested in making loans where the borrower doesn't have 20%+ skin in the game.  

I also don't check prior landlord references since if I had a bad tenant that I wanted to get rid of and I got a call for a landlord reference i would give a glowing reference just to ensure they were out of my apartment.  

Lots of ways to skin cats.

Ajay, Ever one I know want you to have skin in the deal because you have nothing to lose if something went south.

So they price in higher rates typically and more money down to increase skin in the game and lessen chances of you walking away from that equity and defaulting when times get tough.3% is easier to walk away from than 10% or 20% down.

In fact you can walk under high voltage lines with a flourescent tube in your hands and it will glow.