Is it ethical (or legal) to suggest a borrower refinance a PN?

[Micki M.]

I bought a performing note which has been plugging along with prompt payments.  However, I could use a chunk of cash more than monthly payments right now. Rather than sell the note, would it be unethical or illegal to have someone contact the borrower about refinancing?  The property has built some good equity through appreciation and rates are low, having one payment might be attractive to the borrower, and with a nudge I could get cashed out.  Thoughts?