I think you need to find a deal with more meat and take extra caution when using OPM.You should also have some kind of skin in the game, even if it is just $5k in your proposed partner scenario.

This would give me a 20% equity stake after the new mortgage and only have 10% skin in the game.Is this possible or maybe their is a better way to go?

My name is Jessica, I'm from Maryland ( PG County to be exact, Go Skins!!)

Hi Mike,I'm not aware of any true 100% investor financing programs because lenders want you to have skin in the game.

I've loaned money on thousands of properties and the ONLY factor that determines repayment is your personal skin-in-the-game.  

They need skin in the game IMHO.I personally don't think I need to offer any more insurance.

Is this sort of thing normal in Arkansas where Realtor’s present offers where these potential buyers no skin in the game and no real commitment to a property?

I have a thick skin & unlike many millenials- bitcoin or quick money making stressful investment schemes including stocks (without solid research - analysis & a guide or mentor) hasn’t really been my thing.

I'm surprised that the lender doesn't want you to have some "skin in the game". 

You’ve got no dog in the fight , no skin in the game but you want special finance options to take advantage of even though you have no money whatsoever in the deal .