She could have paid more than the “minimum”  to bring her balance and interest charges down, at any time. 

Lenders will want skin in the game.

Collateral, who has skin in the game, as this is a risk issue it's also something a new lender needs to understand; especially since there are so many foreclosures going on.

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

I am not saying that about Papa John's I have just seen that with other corporations before.Jay your franchisee you need to make them put skin in the game with attachable assets.

And honestly, there is a great benefit to me to be on the same team as Shane because he’s a hawk if he’s got skin in the game.Effort - Shane works really hard on this even when I try to get him to slow down and pace himself.

With no relationship, no track record and no experience, they are going to want you to have significant skin in the game to create shared risk.2. 

Today a tenant paid her balance of Sep rent and I made $100 in late fee alone.

- Yes you having skin in the game is what most HMLs want to see.Q.

I welcome any and all feedback (I have tough skin ;).Thank you!