I understand that you have more skin in the game then most as you have intellectual property and credibility on the line and must defend what you are passionate about.

Giving mortgages to those with little skin in the game or marginal credit is the same.  

@Mike Alder   you may want to look on E bay for used course material from any of the guru courses the information is all the same there is only so many ways to skin the RE cat  as it were.

The second is that they expect you to take at least a 30% or so equity position in the property so you have "skin in the game".I wanted to know if it is possible to get a mortgage for more than 70% if the property looks like it has better than average earning potential, or if that is a hard and fast rule.Thanks!

Now clients would want level 5 wall finish (smooth surface vs textured) which takes 3-4 times longer; paint would have to be super sharp on color transitions (1 coat primer, at least 2 top coats); all baseboard and trim work & paint have to be perfect: no brush mark, no visible nail holes etc;  and all everything else in between.So my point is: beside using your elbow grease to gain sweet equity, pricing is subjective to quality

It has taken some thick skin and a complete disassociation from reality though to get through the stress of limited reserves but I’m back!

Talk about having skin in the game. 

Smoke rises & popcorn ceiling texture is very porous. 

The noncreditted offerings are almost universally much more expensive, have a lot less variety to choose from, and many times have almost no skin in the game from the sponsor.Thankfully there are more and more nonaccredited offerings coming out and the competition is starting to force them to reduce fees.

This means using rough sand paper to give the wall a texture for adhesion.