Which is more ethical: to tell us his name to keep others from being harmed by his incompetence and obvious lack of professionalism, or to keep silent?

You will cost yourself more harm than good by not setting up everything correctly in advance.

Example, the lender used when I spoke with about move in ready, was the property can't harm you in any way, example would be broken glass messed up flooring that could trip you.  

Sometimes, strange as it sounds paying off debt can be harmful to your credit situation.  

JohnQ,What I would possibly do is make it a non-exclusive offer/contract and I'm not a realtor, yet we use them in our way of investing that way if the seller finds a better deal well no harm no foul.

I never ever give any agent any information that would harm me if the sellers heard it.

I'll do some research over the weekend and if it looks like I can actually help out I'll reach out to you - right now I think I'd be doing you more harm than good!  

@Bryan WatsonThere's never any harm in lining up funding, building relationships, and "lender shopping" as @Anil Samuel said.  

No harm in sending a low offer.

In either case, there's no harm in making another offer if you want.