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

But I have a tenant that has been getting under my skin since he moved in a little over a year ago.

Almost all HMLs will require that you have some skin in the game, especially if you don't have a proven track record.So, that means either a private lender or a partner (another investor).

Sounds like there's several ways to skin a cat here.

Fear would be seen as racist in a way, because you don't know that person and therefore any fear will be seen as based on skin color. 

Cover all your skin.

Usually this type of loan would be made on the properties where the purchase plus repair cost does not exceeds 80% of ARV.Almost always, lenders want you to have a skin in the game.I do not know if this helps,Good luck,George

I have FINALLY got some skin in the game this year.

Your monthly interest only payment only computes loan being 210k, what about the 90 they are putting in, and what happens to your 20% skin in the game?

If its the former, then you'll have learned an expensive lesson that tenants need to have skin in the game in the form of a deposit to ensure you get your property back in good condition following move-out.