There are plenty of hard money guys that would lend on a well thought out and documented project, to an investor with experience and enough skin in the game.  

I'm glad I'm thick skinned when it comes to callers. :)Now y'all go on and have a nice evening!

If they allowed for the appraised value it usually means that the lender holds more/all of the risk since the borrowers equity is stripped out either in part or completely which leaves the borrower them with little or no risk or 'skin in the game'.

Sometimes that skin in the game will count as a major incentive to accept.

If you do this get it legally reviewed for New York State..That way in addition, there is no liability to any of the parties if you can not for some reason perform and doing it the seller may let you do a no money down deal and no legal advice intended.If you have no skin in the game the seller may feel you may not perform as agreed.. etc..Another idea is find a flexible realtor who would considering this type of proposal not many will who are conventional but you may find the ones who understand creative financing.The other advice was right on show deals you have done to show a successful track record and that you have a team of professionals not just you.

want to invest, but can't put much "skin in the game" at this moment.

Their biggest concerns today will be... how much skin will you have in the game and what type of reserves are available when everything heads south.They are going to look very closely at the individuals who will guarantee these loans... so the principles will have to look good on paper... and themselves have reserves.3.

Steve, there are many ways to skin a cat, just because you 'heard' something, doesn't make it completely true or the only way it goes down.

My local bank would not refi this deal without  "skin in the game".

More than one way to skin a cat.