Down payment is just meant to lower the loan-to-value ratio so you have skin in the game and it increases the spread for the lender.

Besides,there is cost of money ( specifically hard money ) and you will have skin in the game no matter. 

Not a super great thing and now I remember why I let my membership expire, it was the irritation at not being able to search for current listings.

A: If you need to borrow the down payment and the seller carries back the balance, you have no skin in the game.

So you're trying owner finance 25% and 75% conventional commercial loan, have you checked if a lender would lend to you if you had 0% skin in the property?

I'm good with skin in the game but 25000 takes a lot of money out of other opportunities.The purchase price would be $122,000.

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

@Matt KouryMy purchase was done with all hml financing70k purchasemy skin in the game 15karv-265kdepending on the lender you will have to have something to get into the propertysome hml will give you a break on points- the fee associated with generating the loanrates are the % on the loan-8%-10% ect..loan generation is calculated by the term of the loan- 250k @ 2 points2% for the underwritingthis is interest upfront Here is a scenario: Let's say you get an interest rate of 6% on a $100,000 loan.

You’ll have to fund closing/points out of pocket to have some skin in the game.Other option would be to find a partner that can fund everything with cash.

Will your partners have skin in the game or just provide services?