However if your intent all along was to not live in the property then no, that is not moral or ethical and is against contract law.

Even going to a "meet-up" doesn't ensure people are moral, honest and just.Doing your homework on properties is one thing, but what about people you partner with or take advice from?

I am four years from retirement and the desire to build residual income is very important to me and I will do whatever is needed to (that is legal and moral) in order to achieve this.

Even the best dogs cause some damage and now you'll have a litter of puppies to boot.From a moral standpoint, I've always thought of dog breeders as being like a Dr.

Moral of the story, stay away from garage conversions.

@Joshua Morales I'm going to restate your goals in a different order to be clear that I understand.  

I understand exactly what you are saying in your post and i completely understand your point of view but, we are a new company and I promise you that we are going to make every single effort to become one of the leading lending providers and we base our morals on family, and community.

His own house is absolute squaller and he doesn't even have an AC in the overbearing Miami heat.I'd also like to mention that he is a lovely, honest and extremely moral human being. 

Moral of the story? 

It is just a morals question.The reason we would not want to refinance is because she has a 0% interest loan right now and the way it is worked from Habitat you really cant refinance it.