Sometimes they require points to make you put more skin in the game.Origination fee is the fee to process the loan.

Significant skin in the game.There's no BP "protocol" against pitching seminars, gurus, networks, or anything else - I think she just knows how gurus and seminars are viewed around here, and hiding those associations just makes people even more wary.BP was founded on the concept of gurus are bad.

., and have considerable skin in the game with equity. 

Mostly due to lack of savings, fear, and unconvinced spouse.After saving a bunch, seeing a healthy increase in my salary over the last few years, having the support of my spouse, and seeing some appreciation in my SFR,  I feel like I'm ready to make a move. 

It seems like hard money isn't really not an option for me as I have little skin in the game (duplex with ~10k equity), and I don't think the complex will appraise for > 300k.

Communities need a healthy sense of skepticism when anyone wants to charge thousands of dollars for a "system".

@Casey Mericle  well I grew up in real estate .. and in the 80s when rates were 20% we did a ton of owner carry stuff.so I learned many ways to skin the note cat... sell noteshypo notescarry zero interest very short term notes to increase yield.wrap notes...

The arrow always points to the "Who is the risk", & away from the "Who is at Risk".Hint:  The Banks won't lend you the money (their cash), unless you have skin (your cash) in the game.A1:  The person/entity lending the cash?  

I do believe we are heading for a correction in the market here, but who knows when, and I see it happening as more of a "softening" than a major downturn, the market is leaning towards the seller side but there is a lot of action on both sides with healthy activity and much stricter lending standards than in the past. 

If investment income is important, look at Dividend Aristocrat stocks that pay healthy dividends consistently every year (DA stocks have paid consistent increasing dividends for 25+ years).