Seems to reduce burden on them each month and provide me more security because they have skin in the game up until the end.

If you want to propose a deal, AND you are willing to put skin in the game, that shows your intent to honor the deal.

Private lenders or HML might lend if the deal makes sense and you have some skin in the game.  

I also try and keep in mind that I want these people to actually be able to purchase the property (if they want to), and so I try and get them to have at least enough skin in the game at the end that they can use that as a down payment.

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.