Hard Money Loan - I do have a nest egg (40K) to put skin in the game along with the majority of it coming from the HML.

A down payment is skin in the game.

Its been a true blessing to have gone to the weeds of it and grow thicker skin!

It's definitely possible but the bank would probably also provide some pushback as they want to see the operator with skin in the game.

Sometimes it's just easier to understand/accept a message from a stranger who has no skin in the game than it is from a loved one.

It's far harder to qualify for conventional loans if you're a business owner or self-employed and that equals opportunity.When I look at doing a potential owner finance deal the most important thing for me is skin in the game. 

I started charging refundable fees for viewings (which wouldn't work for an apartment complex, but if a stranger wants to walk through my house, they need to have some skin in the game!)

You will need to grow a tougher skin regarding your ability to say no to tenants.  

Having no skin in the game is just not viable in this market. 

Usually banks or credit unions want you to have some skin in the game.