I am glad someone in this city seems interested in ethical investment, but I can think of a few reasons why they might accept a offer that low:1.

You're likely to get only a few hundred dollars per month of cash flow from your properties and putting that toward their mortgages will not really pay down the principle that fast, especially considering that you pay more interest than principle at the beginning.You're also buying turnkeys - so you will purchase them at market prices.

There's a way to do this business honestly and ethically.

Ok Stephen heres the deal i have to do the repairs and the payments are 1500 a month right now there are 2 apartment rented the first floor has to be done over complete to make it an apartment the two rents equal the 1500 the new apartment would bring in 1300 a month taxes are 5500 water an sewer are 1050 ins 2400 snow removal 500a year put  away 500a ayear for repairs the 1500 goes towards the principle theres no interest and the balloon payment in 5 years

My criteria are documented and I have been refining them after each property while I learn what I really want in a tenant (note that I do not refine "during" the process as that would not be ethical).

I was paying over $600 in interest and under $200 in principle.

Well, you can get private money, at least in principle.

Generally with a HML you pay interest only on the principle.

They offer a line of credit to purchase homes at 1% interest with a high 1x down payment between 6-9k which is taken out of the loan disbursement.Hoping to get some insight as to whether they are a good/ethical company to work with.

Not all about real estate investing but he covers principles that make you a smarter investor over all.