Im trying to get my first flip going in the San Antonio Texas area I have some money saved up but my question is how hard is it for qualyfying for a hard money loan and has anyone used one as means of flipping there first property how much do they usually as for skin on the game for first time fix and flip ... also any good recomandations of some you might have worked with  

Fair enough, Michael. 

I have come across an owner of a fairly large commercial building 16K sqft.

Until you build a track record with a private lender they will surely want you to have some skin in the game so there's that side of things you have to resolve with them.

So I was just feeling bad because its weird to raise the rent but I think I've been fair enough so far but taxes & insurance do go up every year & I feel that I am already renting super low - for a 4 br SFH they pay $1300.  

It's not in a bad spot... close to a grocery store in the back of a suburb a little ways away from a clean river, fairly scenic area. 

They’re almost certainly going to require a down payment as they want their borrowers to have some “skin in the game”. 

They document the how for multifamily investing fairly well.  

Is what he thinks perfectly fair?

Generally anything built after October 1978 does not fall under RSOCall LAHCID - they have a pretty good information call center to find outMy guess, since ADU are fairly new, not many have the answer Let us know what you find out