Reality is 50% from somewhere else on the application and "skin" is always a factor.

But buying wrong will tempt you to cut corners on repairs, cause you to have to sell further below market, and worst of all, stop making those loan payments and lose the property entirely (including your entire investment which we call 'skin in the game.)

I'm not just sitting and reading and learning, I have skin in the game and went for it.

Does owning the land free and clear bring enough "skin in the game" or will we need substantial equity in the construction loan?  

Remember, wholesaling is something that requires very little skin in the game. $10-20 EMD...

Just trying to see how to skin this cat. 

yes, joe, that would be better than the 20% conventional loan. the trick to the game is to use other peoples money. the more of your money that you use, the less money you will have in your pocket. its true that banks like to see a borrower have some skin in the game, but you can manage just how much that skin is. 

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It keeps his skin in the game and hedges against him selling us a disaster that he is just trying to get out form under.2.

Fun and games, what irritates me is the window was 10 months old.This is why the returns on cash need to be worthwhile because this stuff will happen, not if.