Since my partner and I are both newbies, would they take into account excellent credit and our "skin" in place of experience?  

@Clayton Plank The neighborhood does indeed have a good healthy mix of houses that have ADU's not sure how many of them have attached ADU's, I have designed the structure to be used as and ADU but can be changed in the future back to a single use dwelling should a future owner ever wish to change it.

They will want you to have some "skin in the game".  

God forbid I mention this on BP but maybe the prudent use of leverage and the diligence to maintain a healthy pile of reserve cash would put the " tortoise " investor ahead of the " hare " investor if and when a correction occurs.

We're currently evaluating a condo in a healthy area of Columbus. 

I think you know that you should be willing to put your own "skin in the game" and you've indicated that you'd be willing to do that.

@Michael Smoczynski, thanks for the advice I was thinking 20% was fair and still gives him decent skin in the game

In my case, this would not be about need for capital, but rather a way to have the realtor's "skin in the game" when it comes to dealing with contractors.  

Agents have to have skin in the game in the form of big splits to brokerages while they learn the trade. 

There's more than one way to skin a cat :)