This works OK for relatively static and simple investments like a private placement or crowdfund, but can become rather cumbersome and expensive with a more time sensitive and transaction intensive asset such as a rental property.

Having the 20% down is referred to as "Skin in the Game"Hard Money Lenders want to see you have a financial interest in the property as well

We call this "skin in the game."  

And I opened the freezer door.This was one of the key moments of enlightenment that helped me realize managing, maintaining, and renovating properties for other people was no longer for me, and it was time to put my own skin in the game and get my own money out of it.

Remember, if you aren't putting any skin in the game, any profit is great.

Some lenders would required 50% towards the project and there are some lenders I work with that would require 10% towards.In this market climate (Houston Texas is the area I am working) some lenders want you to have skin the game and be at a certain point in the project before they fund the deal and then the lender will reimburse you.

She said that it was causing hair loss and skin problems as well as tough on clothes.

Any such work requires a very robust analysis that uniformly includes sensitivity assessment of RISK.

You may have to work for free or at low cost to the small company, as they will be very sensitive to cash flow and costs.Get a mentorThis is the single most important part of the advice in this article.

Forgive me for not understanding this difference...Also, I'm sorry if you think this is shameless self-promotion and can see how you would view it that way, but perhaps you're zeal to prevent marketing can sometimes interfere with informational exchanges and my thought is that it is perhaps a touch overly sensitive, but I will certainly keep that in mind on further posts, thank you for the advise.