So I require skin in the game (average is 5% to 15%) to offset this.

., if they have no skin in the game.

There are many folks out there that have the same qualities as you but are saying "if only I had no debt and 50k in my pocket, man I could really do something" One of the biggest challenges for a person in your position is that they sound great, they know their stuff, they are probably trustworthy, they find a money partner that is interested , guess what happens next that would seal the deal "how much skin in the game are you putting in this deal?

They called it "having some skin in the game".

I know there are some people out there who do this and put an assignment in place to be recorded if the loan defaults.As with so many things in REI, there are multiple ways to skin the cat, and it has a lot to do with your level of risk and your partial investor's level of risk.I do teach a 4 hour live class on this. 

Many ways to skin a cat. 

Sort of a "skin in the game" incentive.

Skin in the game.

***You'd want to make it worthwhile to foreclose and also be safe***If someone is an A Paper borrower just needing to close fast, some of my investors will go 75 LTV.You can also always feel more comfortable on a purchase rather than a refi, as people are bringing skin into the game, not trying to exit.

Have some skin in the game.