Prior to the walk-through, their future landlord called me to get feedback and I gave them a "glowing" review which I certainly would not do now.2) I also like to get the previous landlord's feedback as the current landlord may want to get rid of tenant and so if he/she is shady then they will say/do anything to get them out.3) I also like to confirm how much they were paying previously to understand if they will be paying substantially more/less with my rental.  

I'm a beginning real estate investor looking to do my first deal, but the hardest thing so far is funding with not much skin in the game

Everyone has skin in the game.  

If I've got to take the risk of getting planning approval for what is probably a change of zoning (as a guess), then I'm reaping the rewards, not the seller, who has zero skin in the game.

Do they have equity or skin in the game or are they skimming off other people's money?

You will also need to give Bill your wiring instructions for your bank and work out any draw schedule.No offense, but this is not a good investment for Bill, the LTV is way to high and you have no skin in the game, i would not do this loan, but maybe Bill is more trusting, good luck.Rick

I'm concerned; however wether I'm being internally investigated thin skinned, from some of the bp modifiers who are in same field; me retail commercial.

I know you have to have a thick skin for real estate, but this is a mix between and spider and a worm..... the most disgusting things on the planet.How do I get rid of them?

Find out how much rent they are paying, then adjust the interest rate 4%, maybe more, so that you will sell them the property with little or no down (they will put in the Tenant Improvements at their cost/now invested and have SKIN IN THE GAME). 

Maybe the other comps support your opinion, so maybe you get $65k or $70k (appraisals do come in high, after all, but they always trend towards actual purchase prices).[ 5% + change ] skin in the game is insufficient equity for an investment property mortgage.You are of course free to get the ball rolling on a refinance and prove me wrong.