So being in denial about it and refusing to work unless it is full price is silly for all but the very busiest agents.Second, it is a violation of Realtor ethics and of your fiduciary duty to your clients to steer your clients away from houses with lower commission rate or not show them houses which don't pay you enough.

With that work ethic and learning discipline, I’m sure your brrrr deals will only get better with time.

Do this ethically.

Every PM is biased by their work ethic and their agreement. 

While you maybe skeptical about the application / execution of the Realtor Code of Ethics, at least is applies.While agents love to "double end" a deal, many times other agents bring the buyer. 

You will be held to a higher standard of disclosure and ethics if you do become licensed.  

The processing team can have a very different work ethic and culture than the person selling you the loan.

There's nobody to stop you but ethically I wouldn't do it. 

Ensure your values are aligned with theirs and that you're comfortable with their integrity, ethics, competency, and transparency.

I am confident that I have a good system in place, I understand the processes, have the work ethic and skill set.