If Borrowers have no skin to put in the game - which property will they lean towards lending to?...

In the cold winters of PA the last thing you want is a tenant with control over the heat and no skin in paying the bill.  

The quicker you are able to go from close to occupied the sooner the tenants will be paying for those costs instead of you.With Hard/Private Money Financing you will have to have “skin in the game “.  

If you really want some skin in the game super early in the process, you are allowed to charge at-cost for running credit.So you do actually have THREE opportunities to collect $$$ skin in the game (2 of which are profit-neutral, granted), and you are free to freeze-frame the entire process until you get that investment from the borrower in the process:- When running credit.- When ordering an appraisal.- At closing/funding. 

And have "skin in the game" and not take large upfront fees and large carried interest/waterfalls/etc...and not just close it successfully (which many people can do) but actually meet or exceed their projected returns and feel confident that they can do it???  

You can invest your fees into the project to show a portion of the skin in the game etc. to lenders.

@Greg Lindor When lending someone money for a flip, or any deal for that matter, there should always be at least some skin in the game on the other side. 

I'd love to find some type of online investment club where everyone else has as much skin in the game as me so I know they're not going to take risky deals.

I screen the tenants (background and credit checks) and make them pay for the screening as an "application fee" which makes them have a little skin in the game.  

They have low skin in the game and it doesn't cost much to send a lead.