who is lending to them when they have no equity lines built up or cash for skin?

They wanted me to waive the only factor that kept their skin in the game, I told them; no thanks.

Sounds like there may be some lack of healthy boundaries that working on would help you develop into being a better landlord.

Not just friends or peers.Would most investors not like me not having skin in the game? 

Most lenders want you to have some skin in the game so getting 100% financing unless you are using 2 or more loans from different institutions and putting that money together, you need to put some money down.I’m not saying its imposable but try and put yourself if the lenders position.

The Tampa/St Pete area is stable and continues to gain appreciation at a healthy rate.

I did that down in Eugene, OR and I really had to develop some thick skin!

The sponsor rarely has much skin in the game, and thus their interests may not align with yours (e.g. you may want to protect capital, but they don't get paid until they exceed the preferred, so they may take extra risks to try to outperform).

So for MLS listings, that code is going to apply, sans a healthy and committed relationship where buyer is consistent in purchasing and/or has the cash money to do so. 

I would love to see more women in real estate,  but even in 2017 there's still stuff we have to deal with, assumptions and stereotypes,etc.. takes thick skin.