The 100% purchase and rehab lenders expect the borrower to have the liquidity to cover the closing costs as well as having some excess liquidity beyond these costs to be able to run the project well (i.e. to contribute some investment into the project and to have skin in the game).

Open to any strategies that come to mindGoals:Short-term: Get "skin in the game" with my first property, ideally a duplex/small multifamily or a starter SFH rental.Long-term: Scale to 5–10 properties by my late 20s, eventually replacing part of my income and continuing to invest.Open to BRRRR, house hacking, or just buying a solid rental depending on what makes sense.Questions:At my age, should I prioritize house hacking, or since I live at home, should I just buy a pure rental?

Very simple.Of course, lender fees and third-party closing fees (title/insurance/appraisal) are not typically covered and are expected to be the borrower's skin in the game.

"skin in the game" and long term goals. 

I keep growing my skin in the game LOL

Down Payment (Non-Refundable):Always protect yourself with meaningful skin in the game.

What gets most is that the bridge lenders want to see you have skin in the game, so if you have seller carry or other second, they reduce their leverage to keep your skin just as much...

Why would a hard money lender provide you 100% financing with no payments and no skin in the game and no experience? 

While more leverage is certainly not the answer to scaling (as some deals do require more skin in the game to make it work), incorporating some of these loans into your strategy can certainly help you.

In the real world, not YouTube, lenders really, really, really like (need) to see that the borrower has "skin in the game", plus experience...