But I would like to hear some feedback wheather this can be done anymore, if its legal on paper and morally?

The moral of the story here, is yes, a Mortgagee can work with and encourage a Borrower to refinance but there are limitations and proper ways to conduct yourself.  

That's .69 million barrels of oil less than our current consumption.

If you need other people's money then a 2% cash back card isn't the answer.Let's step down of the moral soap box for a second and not make so many assumption about the person you are addressing.Many of us, like yourself, are in cash positive position and do not "need" other peoples money, but that does not mean you should not use other peoples money if the cost to do so is less than the opportunity costs to use your own capital.    

CIC also has a loan product that will allow you to get money to reduce the energy consumption of your buildings.

I guess the moral is the folks actively doing deals ain't doing seminars...for the most part..., and once you become active the "true" investors will become known.Sorry i just had to rant, if i'm off-base, please feel free to destroy my reasoning...lol

Moral of the comment: Verify all your sources, know their limitations.

@Denny RobertAs a pastor, I have thought about this on many occasions, as we look at the verse often quoted by anti-debt folks "borrower is slave to the lender" notice this is a statement of fact not a moral or theological pronouncement.

The way you opened the topic left me thinking that you're asking a moral/ethical question, like "how do investors sleep at night?".

@Yesenia Morales ...