sure this might be something to think about, of course you dont want to want tenant work on your house but a tenant that puts down $10,000 is not the regular tenant, he's got skin in the game, but of course you have to be careful with that, you gotta see whats his income?

Many, many ways to skin the cat.

Many of the banks these days want to see you have more skin in the game.Also agree with @Kanishk Dayal, highlight the benefits of owner financing to your seller in a very clear and simple document. 

I was going the dark route, (dark flooring and dark cabinets)..

They like to see that you have some skin in the game so to speak.  

Like skin inflammations..  

We put up a sign saying the pool had been treated with extreme amounts of HCL and if any 'workers' skin gets exposed to the water to seek immediate attention. 

If I was actually looking to make this deal happen, based on the amounts I described and would need to borrow, how much "skin in the game" would most lenders expect?

It is an Ultra 4k system with full-color night vision to 180 feet, three terabyte hard drive and eight outdoor cameras.

Most private lenders or institutions will want you to have some skin in the game requiring you to put down 20%.