I'm having trouble finding a lender who will do this.Thanks much in advance... non bank lenders who are doing DSCR do not allow 2nds on the back end. they want skin in the game

For the down payment, most hard money or private lenders will want you to have some skin in the game — usually around 10 to 20 percent of the purchase price, depending on your experience and deal strength.Always budget extra for closing costs too.

Totally get the appeal, but 100% financing always feels risky to me—if you’ve got no skin in the game, the lender or investor’s taking on all the risk.

My skin is in this game. 

If you can find a property that is in need of a lot scrape or retrofit, but is in proximity to a grocery center with good access and visibility, their is likely several ways to "skin that cat" from a build to suit to a ground lease, etc.  

Put more skin in the game.

I am also going to move the fireplace to the center of the living room (under the bear skin), and it will be a river rock surround.  

A couple of other things I’ve found valuable to look at are:Track record through cycles (how they’ve managed deals in both good and bad markets).Transparency and reporting (how proactive they are with communication, especially when things aren’t going perfectly).Alignment of interests (skin in the game, fee structure, co-investment).In my experience, those have been big predictors of how well a sponsor actually delivers in the long run.

Why he wants me to have some skin in the game when he's otherwise just going to give everything away I couldn't tell you.

I know real estate isn't for the faint of heart & my skin is definitely in the game.