Fundrise offers non-accredited investments, which generally mean they have much higher fees, and virtually no skin in the game versus other things that you can find in the accredited world.Before looking at platforms though, I would recommend that you take a step back and look at your portfolio.

So I'll throw it out there, and if they decline then no skin off my nose!

Some precautions to consider:- Make sure the person who is the borrower of the underlying bank mortgage fully understands the implications  of a wrap, as well as the buyer- Consider a 5 or 10yr balloon note (vs. 30yr fixed) if you are worried that the seller may have 2nd thoughts down the road- Buyers should need to bring a significant down payment to the deal so that they have skin in the game- If your state allows a Deed of Trust for the wrap note, I suggest using that document (vs. a Mortgage) as it will put a lien on the house allow the Seller to pursue a non-judicial foreclosure if the buyer does not perform.- The home insurance after the sale (the new owner is the "insured") should retain the name of the previous owner(payor of the bank note) on the insurance as "additional insured" so as to not set off any alarms with the bank.- Use a 3rd party loan servicing company to collect all mortgage and escrow payments and make all appropriate payments to the bank lender as well as seller finance lender.   

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

The previous LL have zero skin in the game and will often be more reliable.

Now if you use a private lender then it is whatever you can negotiate and get them to agree to.Banks and even hard money lenders want you to have "Skin in the Game" In other words they want you to have some of your own money at risk so if things go bad you are less likely to walk away.

@Calus Glispie the purpose of earnest money is for you to have skin in the game.

IDEALLY I would love to find an investor who basically has been doing this and wants skin in the game but does not want to deal with the head aches of the construction or management side.

We have never had such a combination of problems, exacerbated by the Australian owned banks.   

You may want to partner with someone local to make sure everyone has skin in the game.