You can be inoculated by exposure to an infected animal's saliva in contact with a break in your skin.

Most lender do want you to have some skin in the game, typically 10% minimum. 

@Marco Grier Quicken does still have some skin in this game....they originated it for fha, fha can make them buy it back if it is defective (not a first lien, which right now it is not).

Generally, these have higher fees, less skin in the game and less experienced sponsors, but not in all cases.

Just the lender wanting you to have some skin in the game.

It may need replacement, but if it's function is to hold your neighbor's dirt, I would think they need to put skin in the game.

That won't be much skin off your nose but if it's an owner occupied financing arrangement they are taking a huge liability as even if there are exemptions there are still requirements to be met.

Thanks for your thoughts @Paul Jamgotch .The way I have to look at it is that I bring 3 pieces to the table:The ability to put an investment partnership together and make them moneyThe ability to handle the real estate transaction on the buy and sell, saving 6% of net at a minimumA contractor with skin in the game, who also owns a cabinet shop and handles many of the sub jobs personally.These investors see what a tremendous opportunity they have to multiply their return compared to their current vehicle.

While this was excellent news for us, it provides complications with obtaining traditional financing as she wants to be listed as a lien holder and no institution would finance me if the down payment isn't really a down payment, no skin in the game on my part so to speak.

They would be mad at me if I spent half that on bandit signs in Birmingham, lolJUST MY 2 CENTS BUT THERE'S MORE THAN ONE WAY TO SKIN A MEE-YOW