So really she just wants to maintain her right to live there, but with some skin in the game for decisions if things go sour between her and her daughter.  

Believe it or not we all don't need big brother government to protect us.Trust me, I had second thoughts about posting this but I get so irritated reading your stuff that I couldn't help myself

I have a decent job in IT, so I have saved around $10-12K, just enough to put down as skin for any potential private or hard money loan.So I called a portfolio lender to double- check if could qualify for a back-end/cash out refi, and they said NO because of my new (less than a yr) credit history.

That is a bigger topic, so I'll stick to this thread.If you have cash/skin in the game, then recruiting other participants with the same can be accomplished, resulting in a much larger play.

That is literally the only thing worrying me, I don’t have the credit or funds to cover a 10–15% cost up front (skin in the game)I do know most HML will want points and other small various upfront cost I can come up with that.. but I would love to get a 100% financed deal under my belt, again this would be my first.

So potentially could have none of my own capital in the deal if I buy right/add enough value.SO basically, they were claiming there's an advantage having a first mortgage in place when completing a BRRR because it allows me to leave no skin in the game, where as if I buy and renovate with cash I'll be forced to leave 20% or so in the deal.Thanks for any thoughts,

If you mean partner like a spouse well thats married life for ya lol jk. but seriously if they are some sort of financial partner who has no skin in the game id be worried right about now.  

I will screen them on the phone and try to identify a good agent who's less irritating than the lady i am dealing with and will make my work a lot easier.

I can 'analyze' a real estate deal much better than a stock.However, I just hope the day never comes when I have to go around collecting rent in fresh vegetables or possum skins or whatever my tenants have to barter as rent.

Most molds are allergents that can cause irritation, but they are hardly hazardous.