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.

Had the tenant have a bit more skin in the game for fixing them.

That right there, made my shirt tight and my skin green thinking about the time wasted.  

@Rashad ReedI would start planning your exit strategy and work backwards from there, as long as you have skin in the game the hard money will be the easy part you just need to have a great deal, which can be a great thing too because if its not a great deal the hard money lender wont allow you to more forward with it, if you are planning to hold I would advise you to be prequalified with exit lender as hard money is usually short term 6-12 months.

I think most will want you to have some skin in the game.

I also make sure the borrower has some skin in the game. 

The borrower's desire to qualify, and get repair money, seem to be enough "skin in the game" to follow this to the end.The other option was to dump the property at a loss.

There are many lenders out there that require you to have skin in the game, so they may want a specific % down.Hopefully that helps.Sean