Of course, they don't have any "skin in the game." 

Risk can be mitigated with collateral, so unless you've got more skin in the game in terms of finances, or real property, you should not receive more value for your money than any of your partners.

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

Get a tougher skin. 

How do we know who is making these calls and where they get their info....do they have any skin in the game?

Purchase Price $415,000 (Acquisition + Skin in the game )ARV $550,000Rehab $50,000Max Loan $385,000 ( .70 x ARV )Acquisition $335,000 ( Max Loan - Rehab )Skin in the game $80,000Purchase closings costs $5000Purchase Points $15,400 ( 4 points x max loan $385,000 )Money Needed upfront $104,000Holding Costs for 180 daysGas + Taxes + Interest ($28,479) + Water + Electricity + Insurance ~ $34,671ARV or Sale Price $550,000Less Realtor Commission @ 2% $11,000 ( I will be listing it on my own )Less Hard Money Loan $335,000Less Holding Costs $34,671Less Closing Cost  $7000Net Proceeds $162,328.00Did I do these calculations correctly?

I know hard money wants skin in the game.

No one I deal with or would want to deal with would I deal with if they didn't have some skin in the game.

I guess during the refinance time I was expecting to fork over 20-30% per property. if I saved all my rental income and extra from my full time, I'd be able to do that in 2 years Correct, any sort of fannie/freddie lender is going to require you to have skin in the game for each property. 

Most other flippers that buy more distressed properties pay cash from their personal funds, hELOC from other properties, or via hard money lender, but such a lender will likely want to see some flipping/rehab experience and investor/flipper "skin in the game" in the form of a hefty down payment.