Jokes aside, believe it or not, most people have a moral compass and ethics.

Does a lower consumption shower head make a big difference in your water bill?

And moral of the story is to know when enough is enough.

My view of wealth.is that it isn't for conspicuous consumption or to give one the freedom to do "what you really want to do".

If I were to sell the property, and merely not inform the lien holder, I’ve committed no fraud as I made no deceptive declaration.Finally, ethics or morality.  

We thought all this could be covered by the original quote before running into "hidden damage".In summation or the moral of this story, don't partner with someone who is only looking at his bottom line. 

I would assume their realtor is morally if not legally responsible to see if they have the right to sell it?

Totally understand that investors are going to be low moral due to recency bias.

My house is wired with only one meter so I cannot get a more specific consumption amount for each tenant (even though there is an efficiency unit).

He didn't have time to come out for 2 weeks but said high consumption is almost always the HVAC or water heater.