I am familiar with the "rudeness" but that unfortunately is not so uncommon when dealing with government employees who have to deal with the public on a daily basis and is something you just have to have thick skin for.

Banks want you to have "Skin in the game" in other words they want you to have your own money at risk.That said just because you can do a deal with 100% financing does not mean it is a good deal.

Securing 100% financing for a project is quite rare because lenders typically want you to have some skin in the game.

If you're the first one, soft, tell them you're the PM but my advise would be to actually get a good PM.If you have the tough skin, no need to lie.

To put it simply, I’ve been told that I do not have enough skin in the game myself in order to cash out some equity.We bought the seller financed with only a $30,000 down payment.

If you have no skin in the game, you'll usually start at 50% equity and work your way from there depending on what you can offer.But doing 10 deals a year with a partner is much better than doing 1 or 2 deals on your own. just be open and flexible to make a deal that's mutually beneficial

To put it simply, I’ve been told that I do not have enough skin in the game myself in order to cash out some equity.We bought the seller financed with only a $30,000 down payment.

No skin in the game. 

Anyone financing YOU, only cares what YOUR skin is in this, not what others obligations are other than those obligations add to how much skin you need in it ie down payment. 

Maybe I have thick skin and, as I indicated, I think there is typically no value in calling someone sensitive.