How it holds me back, is that when you hold a license, you are, or at least from a moral compass, should be held to a higher standard and follow the ethics of a real estate licensee. 

I am sure 99% of people on BP are ethical - however, you never know and someone can swoop the deal from right under your nose.2) I think $160,000 is personally a little bit high for that property.3) Alot of the basements in Allentown built in that period are not ideal for another unit.You may be to fix it to add additional square footage; but not another unit.

Unfortunately the world ( at least here in the USA) is no longer a place where the one's with the money will lend to those that really need it based on the strength of personality and ethical standards.

Is this possible and ethical thing to do for me? 

BE ETHICAL.

Doing the latter here could get you an ethics violation.Dont do these things if you want to stay in business. 

If property management is a secondary thought, you run the risk having a company not acting ethically, legally or properly licensed operating your property. 

These are professionals with additional training and a stricter code of ethics.

These are professionals with additional training and a stricter code of ethics.

If they are not, this may be an ethics violation - check your covenants and policies to see if they have one.There are three types of people who serve on HOA boards.1.