Either a 20 year am 5/1 ARM or similar but with a balloon payment at 5 years.20% down payment is nice, some places will only finance 75% meaning you need 25% (it can also depend on the deal though with these smaller banks--sometimes they just want you to have more skin in the game).As far as ARM vs Balloon, that's a topic itself.

Most lenders I've ever known in my career would want significant skin in the game that didn't come from borrowing. 

I have read some of your and you seem to have some skin in the game.

We all want winners, but with a little skin in the game is where we learn fastest.

If you don’t already have a relationship with them they will probably want you to have some “skin in the game” even if the deal is good but If it’s someone that already trusts you then they might be comfortable funding you 100%.

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

(it's skin in the game but there are a lot of ways to have skin in the game besides the down payment). 

But since there is no longer a house they want me to pay an additional $120,000 skin in the game! 

If we simply had local small lenders with skin in the game with lending they would make rational loans at market rates and things would be fine.

If i have no skin in the game, then i am glad with any return as long as i have very good cushion to pay all expenses.