@Brian Gibbons   HML wish they were getting 10 points and 16%... might happen in very low end type assets but not on the west coast by and large or in any market were the loans are  larger than 300k plus.Most HML I know that really want to stay in business and went through the 08 GFC  will require skin and a fico score at or above some minimum.. they will want tax returns and will basically underwrite the file, what they will do though is once they have all the info they will make a underwriting decision to move forward even though the information provided may not be great but at least they know what they are dealing with .. then experience of borrower and asset will drive the deal. 

His feeling is ANYONE with skin darker than his should be stopped on the street and forced to show ID.

But all's well, they will be able to get the new CL600 with the emu skin interior.

I have horizontal blinds, the nice ones with wide slats and faux wood texture, in two of our rentals, but the place we just got has verticals in most of the windows.

Its a 1952 ranch and we need to re-texturize the walls.

To be effective and successful in business, one needs to have a thick skin.

Here are the numbers as I see them now:ARV -  $190,000Hard Money Loan for repairs only -  $60,000 ($50K Loan + points, interest, etc.)2nd Mortgage to owner @ 20% of Hard Money Loan - $10,000 (skin in the game)Housing the owner for 6 months - $6,000Sale, Closing Costs, Holding Costs, Wiggle - $20,000JV Fee - $10,000$190000 - $60,000 - $10,000 (JV fee) - $6,000 - $20,000 = $94,000 (which includes his money for the second mortgage)So instead of a $65,000 cash offer from the investor, the owner waits 4 to 6 months and gets $29,000 more.

1 of 7 Weleda Natural Winter Warmer Packs Worth OverRevitalising rosemary will boost dull complexions while sunflower, lanolin and sweet almond oils and waxes provide a fine protective barrier against the ravages of ugg boots clearance wind and weather.These luxurious oil capsules help smooth and soften the skin and help counteract the first signs of ageing.

You put 20k in to buy that house, so that's your 'skin', but you haven't lost it. 

“You have to have skin in the game.”