Both parties must be licensed agent in order to get a commission and using fees or other descriptions to disguise it is not proper.Thoughts?

Payments made with a credit card or payment card and certain other types of payments, including third-party network transactions, must be reported on Form 1099-K by the payment settlement entity under section 6050W and are not subject to reporting on Form 1099-MISC. 

I have aligned myself with some important organizations like a third party inspection company to ensure the safety of the houses, and the Tiny Home Industry Association.

If both parties get something of value out of the deal, why is it unethical?

I get the basics of how it would work, but how can I make an idea into something that would work for both parties?

Does the seller work with a third-party mortgage loan company to establish the loan that I have with him/her?

Oakland (depending on what part) is less than 30 mins away.  

Chances are most of them will know about it.Typically deed restrictions can only be enforced by another interested party, but I'm not an Attny.

I’m reading it that the seller has a note with the party he bought it from.

Perhaps a nice 1950's built bungalow.Always hire a 3rd party property inspector to give you an unbiased feel for the home.