Anyone financing YOU, only cares what YOUR skin is in this, not what others obligations are other than those obligations add to how much skin you need in it ie down payment. 

Maybe I have thick skin and, as I indicated, I think there is typically no value in calling someone sensitive.  

@Ruben VanDusenYour wasting peoples time and good natured sense to help others.  

Quote from @Susan Maneck: You disparage a group based upon there ethnicity or color of there skin.  

Pro tip: Even though you can put no money down, you should be offering money down when you offer (even if it is returned at closing) so you have skin in the game.

@Jay Hinrichs: Not meaning to be disagreeable, that's not my nature, but it's in the same thread where you were promoting what you do.

(Also, the developer is reasonably experienced + wealthy and has personally guaranteed some of the existing development projects - but wants to move away from that)I'm also planning to get some equity in the JV / the broader development company (much less equity than if I were to be a pure equity investor of course). because I do think this could scale to 300-400 homes / yearOf note: These homes are modular in nature - so are faster to build and margins are projected to be attractive.My questions for you all is:Have any of you lent to development assets with cross-collateral from cashflowing properties like this?

First, you need to stop listenng to your girlfriend, who has zero 'skin in the game'.

No skin in the game. 

Add Colorado to the list of states that insurers are fleeing, along with California and Florida.All the states that are prone to natural disasters, insurance costs are exploding as the insurers pull out of those states en mass.