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

So the fear of God was put into them about credit inquiries, because you couldn't directly tell them that their credit addiction was stupid or that would have upset their sensitive feely feels.

Most lenders want borrower skin in the game otherwise buyer will have nothing to lose and might walk away in case of bad situation.

However, this fascinating graphic explores how average returns over 20 years can be just as sensitive to entry conditions.  

I provided all labor myslef which was my 'skin in the game'. 

Don't get me wrong, I know I need to put some skin in the game, but I don't want to be out 20-30%.  

You would not have the skin in the game and that is risk lenders are not willing to take.

Hopefully neither of you have allergies or sensitivities which can make things worse. 

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. 

They want to feel confident you can make the payments and they want you to have skin in the game.