On the commercial side, we like to see that the borrower has skin the game and is re-investing back into the deal in the form of unit upgrades, exterior capex, etc. and keeping the property up to date.

They take care of everything and are responsible but you hold the title (like the car company does) until the loan is paid offAlso make sure they have a good down payment - you want them to have skin in the game

- there are many ways to skin a cat in real estate.

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

This would get me my money back, and provide me $100 a month for the first 94 months of the loan.I crunched these numbers for a 20 year amortization, however it wouldn't look substantially different for 360 months.very common model although some note buyers wont deal with investor held notes they only want more owner occ seller carry back notes.. this model once done you have no skin in the game so to speak.. so talk to Chris is knows better than me on what they like and what their criteria is  

They also asked about "skin in the game".

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

StevenHave you thought of partnering with someone that has experience flipping and has some skin in the game? 

Whether to pay cash for something or of course still seek creative lending for the next deal as obviously cash for closings and “skin in the game” or rehabs if needed maybe useful rather than put all eggs in one basket.

It makes the offer look weak and there's not to much upside for them benefit wise.From a lending stand point though nearly ever lender will want skin in the game so people don't just walk away on an asset.