No to keep the out of pocket as low as possible, sometimes under 10K even on a 300k purchase you want the purchase to be as far under the ARV as possible, such as 70% for example could get you all in well under 25K. Basically the better the deal on paper, meaning more skin in the game (equity) the hard money lender has the less out of pocket on your end. That's why it important to find a great deal not just a good deal, it will end up making your more money AND requiring less money out of your pocket.