All of my apartment complexes are in Macon, Ga where I see double digit COC returns, but they do take tougher skin to deal with the property/tenants.

I tell him he doesn’t have any skin in this game and he needs to stay out.

If your numbers are on point, you shouldn't be worried about you being stuck with a house you can't afford.So to provide you with value and ACTUALLY solve the underlying issue with the problem you have you simply need to put skin in the game.

The one thing I'm short on- this mythical 10%-30% "skin in the game" that everyone wants to see before they fund your project.In SoCal, where I'm from, houses start out in the $350K-$450K range for 3 BR entry level homes. 30% of $400K is $120,000.

Then add 9k in closing plus whatever skin you are putting in (20%= 60k).

Just a different way of skinning the REI cat.

Once you have skin in the game you will learn super fast.

If you are a newbie, a private lender like myself wants to see some "skin in the game," even if it's your grandma's money or a partner's money.

In general, lenders want to see-Skin in the game-Ability to repay the loanTips:Be able to provide as much detail about the deal as you can (budget, property history, rent roll, future performance, etc)Be able to highlight your strengths as a borrower even if you don't have a lot of experienceAlthough Davian, I would advise against taking a loan from anyone who doesn't check your credit. 

If you are aggressive, you may not care about any of this, and it may be considered a plus to you.In my opinion, another of their big weaknesses is that they have virtually no skin in the game.