I believe all of the methods you mentioned are both legal and ethical, but I'm not confident the average end buyer is sophisticated enough to be comfortable using them.

Depending on your documents, you might be able to solicit "sophisticated investors".

I once joked to someone that the entire precious metals industry is a slightly more sophisticated form of rednecks investing in collectible plates.

The outcome is that the state ending up subsidizing those services without the payroll taxes to support it.

But I suspect regular BP members are a bit too sophisticated for that.

Joe Monthly Gross Income: The borrower’s Monthly Gross Income is the amount before any payroll deductions includes wages and salaries, overtime pay, commissions, fees, tips, bonuses, housing allowances, other compensation for personal services, Social Security payment, including Social Security received by adults on behalf of minors or by minors intended for their own support, annuities, insurance polices, retirement funds, pensions, disability or death benefits, unemployment benefits, rental income and other income.

Now, if Private Payrolls have fallen to just under 120MM, add 6MM or so labeled "unemployed" = 126MM accounted for, leaving another 28MM either employed by gov't of all levels or among the Missing In Action from the stats entirely.

As a seller, I would make sure there is a time limit on each and all contingencies and after that runs out, the EMD goes hard.Of course we investors know that not all sellers are as knowledgable or sophisticated as we are, but you must be prepared.

This results in wholesalers raving and ranting in on line forums about how real estate brokers and sophisticated sellers are stupid, dishonest, criminal, etc. for turning down their offers.There are wholesalers who do close a large percentage of their offers.

I guess that's because this bunch, as a whole, seem to be more sophisticated.