I have been very fortunate thus far and have a beautiful wife, 2 young daughters, a healthy body, a career that many would consider very good, but I don't have a passion for my work.I recently read Rich Dad Poor Dad (surprise surprise!) 

Another side note, is that most wholesalers don't have any skin in the game.

So long story long, my questions are:1) Would it be better to have the end buyer purchase the land to ensure they have skin in the game and will see the project through to the end and still be our buyer?

Just think that another way to do this deal would be with HM, and that comes with a pretty hefty price tag (~12-18%) and the requirement to have a higher percentage of skin in the game. 

Account Closed Congrats on the successful flip and congrats to your investors on a healthy profit.

I would also submit a generally accepted EMD and have skin in the deal.   

My 1st property I was saving for since I was 16 years old with my first job, I had a healthy down payment on my 1st house because I had saved for it forever.

Skinned knees don't bother me.

My understanding is the lenders do deals at 65:35 or better for them ratios without worrying as much about proof of income because the borrower has more skin in the game so they are unlikely to default on their debt.I've yet to find these types of mortgages though without getting into hard money lending territory.

I'm afraid that her health is not improving.