Ethics question about a sale

[Mike Reynolds]

There is a property for sale I think I want because I know the property well. I know the capex and the income. It went on the market with a local realtor. The owner is a friend of mine. 

How ethical would it be for me to talk to him directly about owner finance? I'm not talking about going around the realtor in their part of the money. I would even be willing to pay that money myself directly to them if I could get it at the right price. Never been in this situation so didn't want to step on anyone's toes. 

[Carl Fischer]

@Mike Reynolds

Being honest and transparent is always good.  Let the realtor an/or owner know exactly what you said in your post and all is fine.   The owner and realtor probably have a contract that states the realtor gets paid regardless of where the buyer comes from anyway. That includes owner financing, bank loan or cash. Good Luck.