But you have to wake up every day and live in your skin, so you'll have to figure that out. 

Both the ESA dogs are fighting each other and one has torn skin from the other one.

So something that looks great to one will look horrible to another and vice versa.As a conservative investor, I generally want to see full real estate cycle experience with little to no money lost, high skin in the game, low leverage, fixed-rate financing and reasonable fees.

There are multiple ways to skin a cat.

I may have to step in to do anyone of their jobs because they may get lazy, flake, or put it off. 

Reducing the lender's exposure based on LTV is only half of the purpose of a downpayment; the other half is to make the borrower put skin in the game to tie them emotionally and financially to performing on the loan.

Heaven knows how many fall for the DMs we never see.I wonder: of the $200M in defaults, how many were originated by a faker lender or joker broker with no skin in the game, versus direct lenders who use their own funds, hold their loans, and only make money when the deal is successful?

However, I think if you decide to do this, you should get some money up front combined with owner financing so you have some skin in the game so to speak.

It can track meds, allergies, skin ulcers, business licensing, vitals.

There's no margin of safety and little borrower skin.