While she's working, every deposit she makes will lower her balance, save interest, and increase her line available to pull from. 

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.

I am looking at getting some skin in the game and don't know if I should go with Scranton, Allentown, or Erie PA.

Hard money may not require as much down, but you'll need some "skin in the game", and its pretty expensive.Is the property livable?