@Eric Tan@Mike Hicks@Kim Tonetti@Don Colagrossi@Michael Lopez @Michael Lopez @Steven Morales@Ndumiso Snyman Thanks for the warm welcome everyone.

Do you have similar core values...meaning, do you make tough decisions using the same moral compasses?  

Depends on your moral compass.  

@Zana BlueYou obviously have a good moral compass.  

Might not be moral but illegal, I don't know.

The moral of the story? 

Once in a while, someone still gets busted for it: http://www.consumerfinance.gov/newsroom/cfpb-order...Possible moral hazards still present:- FHA loans have lower credit/income/asset standards and are less work to push through to funding, and we can push them through a little faster.

VCs are negotiating hard for lower startup valuations in 2016, including down rounds (which kill employee morale and are founders' worst enemy).

To add to my predicament, I have recently re-located from Philadelphia to Pittsburgh so my network is thin and my familiarity of the area is growing but not that of those experienced agents I'm competing with. 

Moral of the story, just because you might be able to purchase the mortgage and note may not mean you should.