Maybe you wouldn't get caught, but as Jay said, the penalties are not worth it, even if you were ok with it ethically.

There are a lot of free and low cost options out there for education on the basic principles.

while I'm not contributing a lot, I'm really able to better invest the principle better than I could when it was with my previous employer. 

Details on my mortgage - Interest bearing Principle $197,000Deferred Principle $95,440Interest rate 4.7%20 year loan with 18 years left.I wanted to pay $7,000 extra a month for the Deferred Principle  but the lender company told me I cannot pay on the deferred principle while there is a interest principle and thats need to be paid off first.So my question is if i put a extra $7000 a month on the interest principle and pay off that early would I still have the remaining years to make payments on the deferred principle?

These are professionals with additional training and a stricter code of ethics.

These are professionals with additional training and a stricter code of ethics.

You have the right attitude and work ethics. 

You'll also make money off the houses you list and sell.This is an absolutely WONDERFUL and profitable business, and can be a real win/win when done right--honestly, ethically and professionally.  

It is better if you want to hold the property long term and pay down principle.

These are professionals with additional training and a stricter code of ethics.