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

And no, that's NOT skin in the game.

I'm very grateful to have been in Cincinnati to really skin my knees on rental property real estate and property management.One thing I haven't seen yet from all the good replies is to make sure you run your proforma as if you are not living there.Once you move out you're going to incur additional fees, such as Property Management service fees, new vacancy fee estimations for the unit you are living in, etc. 

But then it's a matter of how you personally balance the desire for the extra money with the difficulty of the extra work.My house-hacking clients here are all over the map with how they rent out their separate space.

If you continue to experience difficulties, please email our support department at [email protected]

I keep growing my skin in the game LOL

Ive had bad luck with tenants in the past but do to some financail difficulty its our only option.

I label you a CON.Because in my experience only CON's go to the extents and actions you have shown here to OBFUSCATE, distort, spin and use insults of things like skin color or ageism as a defense. 

"skin in the game" and long term goals. 

Low rates possible since you have strong equity and solid payment history.Portfolio or Bank Statement Loans: If you have difficulty qualifying for the full cash-out due to rental income considerations, some banks offer portfolio loans for investors with significant assets.HELOC or Line of Credit: For flexibility, you could pull against the SFH without refinancing fully, though rates may be higher.3.