He doesn't owe a commission to any particular agent -- his *BROKER* owes the commission, and it's between the brokers how much is paid, to whom and when.And, in fact, it's absolutely inappropriate for a licensed broker (or their representative) to go directly to a seller who is represented by another broker.

Is it inappropriate for me to ask her how much cash reserves she has on hand.

It was the realtors assistant that gave the inappropriate info about the owner.

The fact that buyers, who are also borrowers, use the bank appraisal, quite inappropriately, does not concern the bank.

I am not going to direct quote as it is inappropriate for this forum, but  "Act as if.

We got notes from investors and so did my brother back then, we ignored them all as it's inappropriate in these situations to tell the owner "you'll be dead soon, and I just can't wait for my money".

Do not under any circumstances meet or go to that place.  100% these are the type of people that will say you did something inappropriate (assault, unlawful entry whatever) just to get you on your heels2. 

Inappropriate?

(On that subject I'd like to commend podcast for having kid friendly content as my son is usually riding with me, and I never fear him hearing something inappropriate or psychologically damaging.)In summary, you guys have fantastic content YouTube, Website, Forum, Podcast and I'm appreciative for the many contributors as well as an opportunity to come and share.    

People work hard to gain something and I have no right to use it inappropriately.