Pro tip: Even though you can put no money down, you should be offering money down when you offer (even if it is returned at closing) so you have skin in the game.

I think he provides value to the people he teaches, not only that but from my experience I have seen that unless people have some skin in the game (paying money) they don't take the knowledge they learn seriously. 

Quote from @Susan Maneck: You disparage a group based upon there ethnicity or color of there skin.  

First, you need to stop listenng to your girlfriend, who has zero 'skin in the game'.

No skin in the game. 

Because concrete is really porous it's very difficult to get everything out of it once it's in - usually you're only breaking down things right at the surface and they tend to bleed back through capillary action (moisture moving through the concrete).

I have no skin in the game here -- I have not done any transactions with Neu Real Estate Group yet. 

Same with sewer.Example:Storm pondStorm SewerDistance to fire hydrantsBathrooms requiredADAset backsPermeable surface %LandscapingRoad accessParking requirementsUtilities to front of job siteUtilities to buildingsTypes of utilitiesSewer lift stations?

I use patterned ones that look like granite or marble or quartz or similar so that stains and minor scratches don't show, and don't use a shiny surface - use as close to matte as possible - and light colors. 

Get the lender to explain the items to you- Dont make surface level comparisons of monthly payments or APR.