I just maintain healthy reserves all the way around.

I agree that its something that many people would support but I also think there would be a lot of people insulted because a "greedy landlord" was trying to grow his business.I wouldn't be insulted over a 'greedy landlord" growing his business if I was getting a healthy return on my investment in the 'greedy landlord's' enterprise wihtout needing to be a greedy landlord myself  :)  It's the 'What's in it for me?'

Explaining to tenants that mold is everywhere and far less harmful to a healthy person than the media portrays is difficult.

That would be a great way to do it if possible but I know that the bank want's my skin in the deal, so I don't know if they would be agreeable to that.

The problem is the rent to sale ratio might not be healthy so either the tenant will leave the space, ask for rent reduction,etc. because rent started out at an unrealistic level.I would not be giving heavy TI upfront for a weak tenant.

Not to mention they’ll likely want you to have skin in the game

They want to be sure you have some skin in the game too.

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.