I can tell you do your best to make sure your business operates with the highest moral and legal standards.

Whatever; dramatics are always employed by those of dubious moral character.I dissent on the assumption of M2M superiority.

Needless to say I have a full remodel to do on one unit, water mitigation in another 2 bathrooms, 7 windows blown out from 2 concussion grenades, rebuilding a storage unit and repaneling because of a third one concussion grenade thrown in the 4X4 storage unit, and a full door casing and door to replace because of breach charges.There are 2 morals to this story.1.

Before delving into any of these schemes, one should take a hard look at the legality and morality of such schemes.  

Moral of the story, you will need to get some loan quotes.  

I think you and I both know morally that twenty four grand could do a hell of a lot to jump start a Real Estate career, fund marketing, and fund a Real Estate License for someone.The fact that you question J's character is just embarrassing yourself.

Moral of the story is not to be over-leveraged. 

So these pump and dump lenders are all over the internet .. and the moral of the story is you simply do not send a broker money up front or any lender for that matter other than maybe a small app fee..

Moral of the story: Pay your contractors well.

But they do not owe you any response legally/ethically or morally.