For instance, a home with an ARV of $100k or less, you need to be at the 65% minus repairs, a home with an exit such as yours of $475k can be as high as 77% IF it is an easy and quick flip, guideline should be set no more than 75%.For homes with longer rehab times and higher ARV's like $750k and up, you need to get the rule back down to the 65% mark again.Point being, the rule needs to adjust according to each property type, time factor, difficulty factor, etc.At 81% of ARV + you added in rpeairs on top of that (if that costs was $25k) then your "all0in cost to exit price was 86.5%Your $42k profit based on an estimated $411k cash investment gives you a cash on cash return of 10.2% (that is only half of the minimum I shoot for).

Sellers want to see some skin in the game.

The tenants I have dealt with and the general area has provided some difficulties though.

Vicky - I would say it depends on if they are communicating with you or not and if they are being respectful, but are having difficulty always playing catch up.

The bank is going to want to see you have some skin in the game.

Unfortunately, in the business we're in we sometimes have to have a thick skin and be tough when it comes to situations like these.

We have plenty of skin in the game on this deal, ie: 20% down and cash reserves on all 4 homes we own.Just trying to leverage the best I can with getting the next deal going.Am I missing something on getting creative?

Bryan, due to the technical difficulties today, how about giving us a brief rundown on the article . . .

Anyways, they have no skin in the game and have not followed up to execute even though we approved them.

The borrower has to have skin in the game.I don't think you will have much success asking lenders to lend on appraised value and essentially allow buyers to purchase no money out of pocket.