Other than that, real world says no one is going to hand out money to someone without skin in the game, especially if you're young.Good books to read:Rich Dad Poor DadMiracle Morning - just good lifestyleEdit:I obviously forgot to mention, when you buy your house, rent out other rooms to people your age. 

You're not getting paid a salary, so it's no skin off the agency's nose.The average time from shiny new license to first income is 90 days. 

They want some skin in the game other than the deal.

The windows are an older wood in a cream color and most are hard to open.

Loan to Value is another drawback, I am going to be looking for a min of 25-30% skin in the game on a purchase and 30-35% on a refi. 

I think the bigger issue is that you're looking for 100% financing with virtually no skin in the game.

As for a hard money lender, I talked to a couple and they want some "skin in the game" which I don't have or a 25% down payment which I also don't have now. 

WILL COLD CALL WITHOUT GETTIING MY FEELING HURT JUST GIVE ME A LIST (what do I gain; experience, confidence, entertanment)Trying to' help my parents get in a better position.My parents have paid off their trailer with land.they have .4 acer, would like to fix current trailer to rent out (2 bd 2 bath $875/month)so they would be able to purchase a newer more comfortable one to live in. eventually moving out and renting both units to add to their retirement funds. rent under $900 around here is impossible to find.only reason for not building is because of lack of experience and upfront $$.THICK SKIN 29 YEAR OLD WITH A LONG TERM GAME MENTALITY. 

There are multiple ways to skin a cat…I know, kind of an odd headline for a BP post on an ordinary Saturday morning LOL, but I think it works alright!

An experienced local investor with "skin in the game" would be someone I would more easily trust to define what works needs to be done.