Banks are much healthier now and people have more skin in the game with larger down payments the last 10 years.. unlike last time.

I worry about these prospects, and traditionally have passed on them because it seems they aren't putting much thought into the place where they intend to lay their head (no emotional "skin in the game") and might be cavalier how they treat the place. 

Develop thick skin and patience.

I borrow about 75 percent of the arv and always put money in the deal (skin in the game).

Even if he is, I’d still try and stay away from a partnership as they tend to go south more often than north in my experience.....unless its someone you’ve worked with before and have history with.If you want to incent your contractor - give him some skin in the game- think about a bonus for finishing on time/early and/or helping you achieve a certain sale price.  

Like was mentioned above you need to make sure he has skin in the game.

It's very typical for a hotel management company to invest sliver equity into a hotel deal to get the management contract and to have some skin in the game (5-10%).  

I trust an investment with more people with skin in the game.My properties have been in Atlanta but that market is basically done now.

Not sure if I have enough skin on my bones (never mind the game) for that...

It's very rare you'll ever see 100% LTV. 99.99999999% of lenders require you have skin in the game.