Bottom line, this kind of seller financing is very difficult to complete and Close because banks, direct lenders, hard money lenders all want you the buyer to have skin in the game.  

Even banks want you to have some skin in the game.  

Utilize private money lenders until you can refinance the properties with the local bank mentioned above.etc..There are many ways to skin this cat, just need to figure out which works best for the situation based on Time, Cost, Ease, Speed, etc.

You want the buyer to have skin in the game, i charge 5k non refundable earnest money and 10k depending on how large the deal is. 

I suspect she filed her complaint with a service that is free to renters, therefore she has no skin in the game and is just taking a shot in the dark.Report this to your attorney, follow his advice.

Got a million answers but no skin in the game.

I was concerned a HML would slow-play draws for DIY materials.....or inspections for DIY are typically onerous, nearly impossible, and it's a lenders way of shaving %'s off their loan to value as a way to get increased borrower skin in the game. 

I think they want him to have skin in the game. 

We generally want the borrower to pay $5-10K towards their arrears to have some skin in the game for future performance, and that income lowers our cost basis for the note and boost the annualized ROI.

I am thinking I would want some skin in the game as well to make them feel more comfortable.