@Ariel GonzalezI would like to know how much capital, AKA, skin in the game they have.

This should be expected because difficulty to get rid of poor tenants has increased (likely vanished) resulting in higher risk.  

No one has more "skin in the game" than a PMC as they have to deal with the property every day until an owner sells or fires them.Also recommend finding your own Inspector and not one referred by an agent.

Explanation of Refinancing Option for Foreclosure and BankruptcyWe understand that navigating financial difficulties such as foreclosure and bankruptcy can be overwhelming.

And even if you are paying cash, you may have difficulty selling down the line if you're not able to rezone. 

and have been having difficulties passing the national portion does anyone know if the national portion ask some questions that are state specific?

My experience was getting my personal credit utilization high as I bought product for my business, and subsequently my FICO went low; therefore financing was increasingly difficult.  I

Prime Day has a tendency to cause some difficulties due to the massive number of items with many different sales algorithms.

So I require skin in the game (average is 5% to 15%) to offset this.

I suggest an aggressive principal pay down so they can have skin in the game.