I know the bank's stance will be for me to put my own money in so I have "skin in the game". 

The buyers inspectors literally praised the work we had done throughout, but a week ago the CL-100 wood infestation inspection came back noting a small bit of non-structural exterior sheathing damage along the bottom of the back wall behind the vinyl siding due to moisture :( The good news is we are 99.9% sure the issue was caused by rain water coming off of the roof and landing in an area that had standing water before we brought in some dirt and gravel to resolve the drainage issue during the remodel (townhouse is on a slab). 

Once you put down earnest money, pay a appraiser and inspector, then you have skin in the game and are more likely to pay over your initial desired purchase price. 

They want you to have skin in the game.Sell it before something goes wrong and you loose it.

When the lender said they wanted to see his skin in the game he showed all the stuff he had finished plus the land. 

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

Most are going to require you have skin in the game.  20% to 30% Down payments are common.  

But the presumption/ignorance gets under my skin.$100 for early checkin is starting to sound good ;)

(Checking via moisture readers) So why is this a win? 

They basically all wanted to see that I had skin in the game.