I suppose if it's the latter the work would be in identifying those partners without a lot of skin in the game or experience. 

Assuming so, as Dion pointed out, a bank isn't going to be the only one getting skinned, the second will need to make concessions, probably out of spite by the bank, and it depends too on the second.

They want to see your skin in the game. 

Maybe it's because I had skin in the game??

Not every HML will just hand you money if you have no skin in the game.

Many lenders would offer a lower interest rate with a greater downpayment (the owner has more skin in the game).  

My goal is to fund my first deal with no skin in the game!

You didn't insult anyone I'm sure, if any are they need thicker skin!

If you just give them a house with no skin in the game when it gets tough to rehab they walk away and you do not see a return as the mentor.Same thing with agents in that they promise the moon and say oh just show me what to do and I will make it happen.One week goes by and if they are not millionaires yet they quit.

I just wanted to share what I read and I thank everyone for all their advice about not getting skinned alive.I know it won't be easy but I just think sellers will have to be a little more flexible when it comes to selling their properties now.Louis made a great point about the regulations that are in place that will cause so much hardship and stress.