What happened to the moral ways of my parents and what I expected from them. 

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.

This is more a moral issue than a legal one. 

This approach may also reduce your level of responsibility because you would not be renting that room as a BR (but you have moral obligation to make sure it is safe to use as a BR (I.e make sure it has good egress, safe electrical, CO detector, etc)).  

The title Realtor can only be used when you join National Associate of Realtor and the other required local associations; this means that a licensed agent promises to abide by and practice all the morals and ethics that the NAR stands for.

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.

Morale of the post, be prepared to go very deep in any strategy that may have an odor about it convincing others to follow some avenue to make their first million.  

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