Potential $1000Tenants pay Gas/Electric/Water/SewerExpenses:  $2824 (we use the BP calculator so this includes everything)Potential Cash flow ~ $950 including our rent for the hack and the office conversion.We have no skin in the game. 

At least as an owner with skin in the game, there is motivation to vet short term rentals guest, limit the number of occupants per unit/bedroom, keep the property in good condition with maintenance after every turn, etc. 

Then the random hard money folks will be more willing to lend after you have a proven model and some skin in the game.  

Along the same lines of hard money and needing skin in the game?

Then comes the job of matching the texture. 

Not enough skin in the game for a lender to your seller's problem and for you to exploit our.

Then you might get a little less based off the concept that the investment is less risky when this person puts 'skin in the game'.  

The ceilings are textured (stipple) and they have smoke stains on them.

I reminded her of the steps we went through...The seller needs to be in a position to carry..in other words, cant have a big mortgage to pay offThe Buyer needs to have a suitable down payment ( skin in the game)The interest rate needs to be reasonable (ours is 7)Term needs to be relatively short...our favorite term is 5 years. 

Stay away from using personal funds/credit (minus your upfront down payment which is your "skin in the game" - same as if you wired some cash over to a broker to play stocks).