I have been out of the credit/loan game for a while so I won't disagree with the authorized user thing, but the last time I paid attention, I heard they had pretty much closed that approach. 

Have you already selected the property and now you are putting in an offer?

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So you really, really need to play the exit game and look at each unit and say " If I approached this tenant for a rent raise and they had to get out how much per unit would I have to put in to land a new tenant?"

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I would think with that kind of cash to put "Skin in the game" you should be able to get "hard money" for flips.

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Most want 20% skin in the game.