Anything can happen it might, if your cash flow slows you need to be able to cover the payments because SBA will get their skin.

Plus, 401K money basically can't be touched without penalties until you have loose skin (if I even make it that long). 

After speaking to a few investors who have had skin in the game now for over a decade, several mentioned the idea of having one person (wife or myself) become a real estate professional and then start the business of investing etc.  

Is 5.4% enough skin in the game?

Basically all lenders are going to want you to have skin in the game.... and as such it's going to take money.

I personally think you shouldn't be investing in something you are not willing to put some skin into and the fixed 5.5% is as cheap of money as your gonna get and if you put 20% down and it all goes south well you lost your 20% that is reasonable. 

Last but not least, check your ego at the door and reach out to people that have skin in the game.

I feel like if I tried this the bank would laugh at me since I'd have no skin in the game; they would essentially be providing 100% financing.

It helps to get some more skin in the game because if the market goes into a recession again then you have some equity in the property that may help, if you plan on having this property till retirement then it doesn't matter and just hang out of the big cash flow and buy more non-depreciating assets!

It is best working with a modular factory that builds using SIP Panels as they are more energy efficient and lighter weight with a much stronger quality, the SIP Panels can be worked with using OSB or Phenolic Skins.