On another note, the families that live in lower income neighborhoods have a different work ethic I think.

Your value, and what you can sell, is knowledge, work ethic, and enthusiasm.

A listing broker is required to present all offers unless otherwise expressly excluded by their client in their agency agreement.In our state we have a "Short Sale Addendum to Purchase and Sale Agreement" that is a requisite disclosure, but any offer can be made by a purchaser that does not wish to accept the terms of the addendum, and as a broker I am ethically obligated to submit the offer.

So the ethics question is, do you feel it is unethical to put a property under contract when it's your intent to assign it, without disclosure to the seller that it is your intent to do so...or do you just let the contract speak for itself, considering the fact that they are a motivated seller and have the right to have an attorney give them advice on whether or not to sign it?

Very heavy on fair housing (make sure you know what year certain things became a protected class) and ethical standards

Definitely a good listen: http://www.biggerpockets.com/renewsblog/2013/03/07/profitable-ethical-landlord/ I know he talked about buying a property next to his small apartment just to make sure a good neighbor would occupy the house.Those numbers look great. looks like 17-20% return on investment after some reserves if it was a cash purchase.

My question is this, If I present a lender an Investment Proposal how do I know that the lender will operate ethically with my opportunity and not show it to other investors?

So, I think a small bank like that would be much more careful to deal in an ethical manner, because word spreads quicker and it's impossible to stay anonymous.While we've certainly seen unethical behavior behind the curtains of large banks, I do believe that most people that work at banks in smaller capacities, want to do honest work and be helpful.

Loving this sites ethics, community, and attitude!

While we can preach about our business ethics, the proof is in the pudding over a long period of time.