In short, you come up with a good down payment to show the bank you have 'skin in the game', the bank determines if the deal is something you will make money on and pay them. 

Well, 350bps spread above the risk free rate is considered a healthy delta!

Where do you see "healthy" ROIs?

The reach-out and actual help provided needs to be measured and [made public](https://www.kshb.com/news/local-news/kc-healthy-homes-program-celebrates-one-year-with-92-compliance).

However, most lenders are going to want skin in the game.

I understand that they want you to have  "skin in the game" but it seems that not too many people have had success with finding a house that meets their criteria. 

And I have come to the point where I am ready to get some skin in the game.

It all depends on what you partners work out, maybe the money partner wants you to have some kind of skin in the game and cover some expenses like labor or interest payments or whatever.

Are you going to a job interview in your wife beater and slippers smelling like monkybutt, because you wan to show how comfortable you are in your own skin and you can perform under stress?

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