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

Having skin in the game is better than having no skin in the game.

But my favorite sponsors aren't from here.I'm a conservative investor, so when I invest in multi-family I prefer sponsors that have at least one full real-estate cycle of experience, little to no money lost, low leverage, and high skin in the game.And there is a multi-family operator that has multiple real estate cycles of experience (decades) and it's track record claims no money lost in that time.

I have been having problems getting kicked off the system after writing a response so I just put one sentance up to test it .. still weird but worked.1. back ground check  no one with bad history.2. meet in person 99% of the time3. fly to the market review the projects they have done and are contimplating.4. some skin to start then we do true JV deals IE our money their work.

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

So, again, a sponsor needs to have real skin in the game, not the illusion of skin in the game. 

The other is skin in hte game, if someone is putting 25% down payment, they will not want to walk away from that very easily and will fight harder to try and make payments.

That is the "shelter" - no skin n the game, but you still get an expense.   

I know there's so many ways to skin the real estate cat and MHP seem like a viable one.Could anyone show me some example numbers if you've purchased MHP?

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.