Proof of Funds (if any I Highly recommend this and I would say 99% its a requirement investors/banks want to see that you are willing to put "Skin in the game")6.

Its a 2/1 cream city brick on 67th St.

Assuming so, as Dion pointed out, a bank isn't going to be the only one getting skinned, the second will need to make concessions, probably out of spite by the bank, and it depends too on the second.

SPEC office building, with the only skin we had in the game being the engineering that the seller had actually paid for, and our selling commissions, I found a lender to do the deal (funded the purchase the land and construction loan).

The lender is just trying to lower their risk by getting you to have more skin in the game.

The agents have no skin in the game not going full time.

I would advise decreasing your profit margin if you don't have financial skin in the game so it provides more appeal towards the partner's bottom line too.

Every borrower has to have skin in the game so that I know they won't go into a bad deal, find out they screwed up, and walk leaving me with a mortgage and note and potentially a property that I cannot get my funds out of.

I will tell you just from my experience any hard money and banks i have talked to told me I will have to have some kind of skin in the game.  

@David Dye Thank you for the positive advice.These are great points about paying for the lack of equity or skin in the game on points!