I am addressing the using OPM (other peoples money) with NO skin in the game, without the banks knowledge.

We have 20% “skin” to contribute, however the DSCR product we were offered required us to buy points just to get the interest rate to 9%.

You refer to historical problems, however there are currently racist laws that disciminate and disadvantage people based on the color of their skin.  

Plenty of ways to skin the cat, just need to drill down and figure out which one you want to do and then push forward with it.

Also I see new money being invested as investors are buying wear houses and converting Into residential, I am looking to add to my portfolio bigger properties  but I don't see many 5+ units in inventory, but over all I think if you got thick skin it's a great place to create a passive income portfolio 

Maybe I'm old school, but I go by the sayings "Pigs get fat, hogs get slaughtered" or "You can shear a sheep many times, but skin him only once" or "Nobody minds if you make a living, they just don't want you to make a killing".I realize many in business don't share my opinion. 

Just keep telling them how much you care and want to help and disclose:1) You have no intention of putting $0.01 in escrow2) You're offering them about 60% of FMV and you don't want them asking anyone else about value3) You're not the true buyer and you won't let them find out who that is4) They won't know who the true buyer is so they won't see how much money you're going to take5) Since you've got no skin in the game, you can walk any timeMake sure the paper is yellow.

Originally posted by @Trevor Rutherford:  @Aaron Mazzrillo what private lender will lend on such terms and won't give the, "you have to have skin in the game."

Anyone who aspires to be a wholesaler and reads this forum, grow a thick skin.

These options offer better alignment of interests, with the general partner having more skin in the game, and you, as an LP, having a say in future operations.