Hello @Kevin Zhang, there are many ways to skin a cat.

We're sure to get the one person commenting on this thread who will primly inform you that bleach doesn't kill mold and you need to use the super special expensive fungicide the mold remediation guy she knows convinced her to spend all her money on, but no...chlorine bleach for vinyl surface remediation will do the job.You did the right thing and put in vinyl in your basement. 

It's a quick $1000 fix using our basement water proofing guys.We pump well away from the perimeter using lateral drains as many sump pumps just pushing water to the surface near the wall & it just heads straight down.

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

I had to build some credibility and have some skin in the game, though.If I were in your shoes I'd try to find an investor to partner with who can carry the loan, and you can bring some or all of the down payment.

Neither my clients nor the other agents know about this at that point, my guys are already stressing out with the deal, are in the middle of packing and have been hanging on by the skin of their teeth (home sale contingency...) during a nerve wrecking six weeks.

@James Murphey thanks for the advice@Chris Martin I agree with your view of multiple streams of income but I feel like having the roths maxed out is suitable to have enough skin in the stock market to generate wealth in the long run.

@Karan Malhotra I think @Jay Hinrichs and I are on different pages of the same book.I was probably getting too far in to the weeds to stick with the "general requirements" theme @Timothy Albright set up.I was simply putting the info out there that a hard money lender is going to require some "skin in the game".

seems like that is a bank refi situation not a raise private money so the owners have little to no skin in the game

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