If you have an investor that is beating you up on your ownership stake, I politely say to the investor that I don't think this type of deal structure is a fit for us and move on to someone else.I have put capital into the deal and am happy to do so if my investors want to see my own skin in the deal.

Its always easier to get motivated after you have skin in the game. 

We both have exceptional credit and have the means of funding a portion of the total project cost to show "skin in the game".The question we have is on financing options. 

I am currently 18 years old i don't have any skin in the real estate world i live in a small town in northern Pennsylvania most of the local investors are residential investors .cap rates aren't strong though there's a lot of opportunities in residential i am interested in multi family to look for better Opportunities and Relationships.

Lease option, buy and hold, owner finance... there’s many ways to skin a cat

@Al Phillips  It's a little unclear from your post but reversing from the numbers it looks like the total purchase price is $140K so if you get 100K loan from the bank and the seller carries a 2nd position note for 40K you expect to get it with no money in it at all.In my experience, banks are not super thrilled about it because they want you to have some skin in  the game and regardless of the second not the underwriters usually ask to see enough for the down payment in your bank account for at least 30-60 days. 

An attorney by even just talking about matters like this specific to your situation has some skin in the game given that they are paid to be authoritative on subjects (at least in terms of communicating risks, the law, etc to their clients).  

They have more skin in the game then you do.Make sure you get clear title.

Or sometimes it's that same scenario but I put "skin in the game" so I can get higher equity. 

They have more skin in the game then you do.Make sure you get clear title.