Agree 100% especially if they don't have capital and a capital sponsor wants 75% or more - something better than nothing especially when you don't have skin in the game 

A borrower really needs to have at least some "skin in the game" to make lenders feel comfortable.

You'll have to ditch the seller financing and have skin in the game.Freddie also requires that borrowers meet minimum financial strength requirements (IE - liquid assets equal to 9 month's P&I [bare minimum], net worth greater than or equal to loan amount [bare minimum], FICO>=680). 

My resources and skin in the game is being allocated to the remaining balance of X purchase price.What path do you recommend in this scenario? 

I got thick skin and can handle just about anything without it bothering me, but I dont want you to be ANYWHERE in the circle of my life.

Several ways to skin that cat  ;)    With the DSCR lender, you could close directly in your LLC and it would not report to credit.

The amount of downpayment requirement insures buyers having "skin in the game". 

Fannie is now also requiring the GP team to have significant skin in the game. 

Address Your Financial ProfileBridge the Revenue Gap: Highlight your equity in the duplex and use your sale proceeds to demonstrate “skin in the game.”Partner to Compensate Experience: A financially strong and experienced partner can help offset your limited track record.Focus on the Land Deal: Secure the land at a good price, as it’s a crucial step in gaining credibility and attracting partners.Final ThoughtsYou’re entering an exciting and impactful space in real estate development.

Will they finance 100% of the purchase and renovation or will they want skin in the game (you putting money in).Most do not do 100% funding so beore going down more rabbit holes, make sure you have the $ aspect situated first.