Now reality most lenders hard money or not are going to want you to have skin in the game.

Most lenders and investment partners want to see you have skin in the game.

My husband is furious, and thinks we should keep the entire deposit and require more payment because the damage was exacerbated so badly by the delay in reporting it.

The more skin the investor has in the deal, the more attractive the deal is to the HML.I don't believe hard money is a good fit for buy and hold unless it is temporary just for the acquisition and you have a way to refi it out soon after (which does not always prove to be easy with most lenders seasoning requirements).

No right way to do it, some have better returns on equity then others, but many ways to skin the cash flowing cat and they all work.

In a 3 month period of time [1] I came out of the closet with being Autistics [2] we bought and moved into a travel trailer because we had spent all of our money, and I was naive enough to tell everyone that we were now poor but so blessed and did not care because we now lived near our wonderful friends in the mountains [3] I was diagnosed with breast cancer and had a double mastectomy [4]  swiftly bloated up 30 pounds, developed lizard skin, hair loss and was no longer cute and young looking for my age [5] meds made me cry over anything and seemed to suck out all my brain cells [chemo brain is real]But this was all okay, because I had the support of all of my wonderful friends, right?  

@Brie Schmidt I did consider the HML requirements for skin in the game.

You kidding me they did not have any skin in the game why would you pay them 10% of the equity when its sold?

The girl was fair skinned, and had curly light brown hair.

James… No skin in the game can be done!