I think what gets me going with DHM  is just their model is one of being rewarded with loan failures and basically targeting new investors who will have a super hard time finding anything that meets their underwriting criteria.I mean its really simple logic 0n that front.. folks looking for 100% financing are one's with limited capital limited experience and they just are not going to find the smokin deals that DHM wants to fund.and frankly I can't blame DHM I would want best coverage possible because of the high risk borrower.. but to charge for failure I don't cotton to that I think its morally and ethically beneath a for real lender.

They knew and trusted me (and that's a big thing...TRUST).You can make a profit off this property if you know how to do what's morally right.  

The moral of the price story - you can't beat the market, but the market can beat you.  

Some may say double closing using your end buyers funds is not moral or ethical since you technically don't own the property yet and you closed on it.

The good morale that comes from turning a called number into some kind of lead is invaluable.  

There is absolutely nothing morally, ethically or legally wrong with you approaching the seller directly.

High taxes are against my morals...- My investment strategy is to purchase three cash flowing properties and hold onto them (same market/city).

@Carolyn Morales I've been buying houses Subject To for about 25 years.

@Geoffrey Morales most always, you need to honor the existing lease agreements until the term of the lease.

This is also a personal decision, covering numerous different question or morality, ethics, responsibility, risk, etc that should not be considered here.