Many good suggestions above -- there are many ways to skin a cat in the REI world. 

They will, however, expect you to have more skin in the game (i.e. more of your own money) and may charge higher rates and points to mitigate their risk. 

Lenders want to know you have "skin in the game" in other words you are investing Your money not money given to you or borrowed. 

I have no "skin in the game."

Banks don’t like to participate in 100% financed deals because then there is no skin in the game.

Talking to her is more likely to exacerbate the issue.When a tenant starts to struggle, the best thing you can do for all concerned is treat it like a business.

Feel like so many ways to skin the animal.We do 30 day notice, 2 months rent penalty.

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.

I believe many of above mentioned external factors have exacerbated this cycle, but it's far different then 2006.

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